Joint Stock Commercial Bank for Foreign Trade of Vietnam (HOSE:VCB)

HOSE:VCB 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	8,565,378	33,831,386	33,101,027	29,899,014	21,918,813	18,451,311
Depreciation & Amortization	293,992	1,086,426	1,270,726	-	1,412,306	-
Change in Trading Asset Securities	3,653,652	-25,448,780	19,949,514	5,578,442	-14,382,594	10,435,096
Change in Other Net Operating Assets	-99,596,385	-85,274,483	-235,419,313	-96,824,179	-184,043,225	-147,989,643
Other Operating Activities	27,874,758	-4,733,934	8,999,246	13,870,581	9,157,937	11,077,225
Operating Cash Flow	-59,208,605	-80,539,385	-172,098,800	-47,476,142	-165,936,763	-108,026,011
Capital Expenditures	-1,376,755	-1,480,121	-1,008,160	-711,567	-1,621,433	-3,001,902
Sale of Property, Plant and Equipment	17,031	12,504	9,435	15,753	8,456	10,569
Investment in Securities	-	747	-	201,899	-69,711	605,274
Other Investing Activities	139,571	159,457	139,318	101,747	92,752	80,906
Investing Cash Flow	-1,220,153	-1,307,413	-859,407	-392,168	-1,589,936	-2,305,153
Common Dividends Paid	-	-	-15,627	-3,348,022	-1,886,298	-2,986,115
Net Increase (Decrease) in Deposit Accounts	281,807,854	139,662,216	133,557,270	230,897,631	109,384,290	133,629,446
Other Financing Activities	-19,963	-19,963	-	-	-	-
Financing Cash Flow	281,787,891	139,642,253	133,541,643	227,549,609	107,497,992	130,643,331
Net Cash Flow	221,359,133	57,795,455	-39,416,564	179,681,299	-60,028,707	20,312,167
Free Cash Flow	-60,585,360	-82,019,506	-173,106,960	-48,187,709	-167,558,196	-111,027,913
Free Cash Flow Margin	-88.24%	-125.55%	-273.86%	-82.27%	-371.10%	-284.05%
Free Cash Flow Per Share	-7249.94	-9816.00	-20717.25	-5767.05	-20053.14	-13287.67
Cash Interest Paid	9,657,478	43,790,244	47,454,819	31,709,129	28,835,100	33,194,191
Cash Income Tax Paid	81,798	8,854,401	8,969,967	3,976,351	5,877,802	4,680,317

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