HOSE:VAB Cash Flow Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2019
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '19 Dec 31, 2019
Net Income	1,301,934	867,025	758,343	890,628	-
Depreciation & Amortization	35,643	34,144	-	-	-
Change in Trading Asset Securities	-5,248,941	-6,715,203	9,615	-5,611	-
Change in Other Net Operating Assets	-3,125,099	-8,986,495	-17,659,774	-3,737,174	-
Other Operating Activities	764,067	3,287,426	-1,457,088	-1,995,993	-
Operating Cash Flow	-6,272,396	-11,513,103	-18,348,904	-4,848,150	-
Capital Expenditures	-265,202	-26,144	-67,593	-21,706	-
Sale of Property, Plant and Equipment	638	804	66.52	195.59	-
Investment in Securities	-	-	52,364	-21,100	-
Other Investing Activities	22,914	8,304	11,098	13,582	-
Investing Cash Flow	-241,650	-17,036	-4,065	-29,028	-
Net Increase (Decrease) in Deposit Accounts	14,073,771	3,816,029	16,486,310	2,517,560	-
Financing Cash Flow	14,073,771	3,816,029	16,486,310	2,517,560	-
Net Cash Flow	7,559,724	-7,714,110	-1,866,659	-2,359,619	-
Free Cash Flow	-6,537,598	-11,539,247	-18,416,497	-4,869,856	-
Free Cash Flow Margin	-249.64%	-547.72%	-1002.16%	-253.08%	-
Free Cash Flow Per Share	-8008.22	-	-	-	-
Cash Interest Paid	6,395,573	5,595,016	6,389,272	4,089,639	-
Cash Income Tax Paid	251,969	205,176	179,521	207,616	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.