HOSE:VCB Cash Flow Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	35,938,000	35,177,663	33,831,386	33,101,027	29,899,014	21,918,813
Depreciation & Amortization	1,472,247	1,385,698	1,086,426	1,270,726	-	1,412,306
Change in Trading Asset Securities	13,901,803	-3,888,295	-25,448,780	19,949,514	5,578,442	-14,382,594
Change in Other Net Operating Assets	-213,335,887	-162,794,929	-85,274,483	-235,419,313	-96,824,179	-184,043,225
Other Operating Activities	9,493,886	1,856,274	-4,733,934	8,999,246	13,870,581	9,157,937
Operating Cash Flow	-152,529,951	-128,263,589	-80,539,385	-172,098,800	-47,476,142	-165,936,763
Capital Expenditures	-1,575,401	-1,453,488	-1,480,121	-1,008,160	-711,567	-1,621,433
Sale of Property, Plant and Equipment	19,822	17,231	12,504	9,435	15,753	8,456
Investment in Securities	-60,167	-60,167	747	-	201,899	-69,711
Other Investing Activities	117,400	117,288	159,457	139,318	101,747	92,752
Investing Cash Flow	-1,498,346	-1,379,136	-1,307,413	-859,407	-392,168	-1,589,936
Common Dividends Paid	-3,760,054	-3,760,054	-19,963	-15,627	-3,348,022	-1,886,298
Net Increase (Decrease) in Deposit Accounts	317,339,291	244,494,140	139,662,216	133,557,270	230,897,631	109,384,290
Other Financing Activities	-16,744	-16,744	-	-	-	-
Financing Cash Flow	313,562,493	240,717,342	139,642,253	133,541,643	227,549,609	107,497,992
Net Cash Flow	159,534,196	111,074,617	57,795,455	-39,416,564	179,681,299	-60,028,707
Free Cash Flow	-154,105,352	-129,717,077	-82,019,506	-173,106,960	-48,187,709	-167,558,196
Free Cash Flow Margin	-215.72%	-187.28%	-125.55%	-273.86%	-82.27%	-371.10%
Free Cash Flow Per Share	-18443.20	-15524.43	-9816.02	-20717.25	-5767.05	-20053.14
Cash Interest Paid	45,508,902	44,982,264	43,790,244	47,454,819	31,709,129	28,835,100
Cash Income Tax Paid	7,845,062	9,241,965	8,854,401	8,969,967	3,976,351	5,877,802

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