Vietnam International Commercial Joint Stock Bank (HOSE:VIB)

HOSE:VIB 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	7,558,638	7,204,470	8,563,053	8,468,767	6,409,750	4,642,334
Depreciation & Amortization	50,292	116,823	101,834	84,476	71,284	58,027
Other Amortization	122,125	69,571	63,990	60,224	46,321	32,395
Change in Trading Asset Securities	10,610,466	9,945,315	-21,841,658	5,443,173	-3,267,287	-13,565,058
Change in Other Net Operating Assets	-92,164,080	-87,388,665	-25,064,998	-48,263,506	-40,022,189	-29,885,434
Other Operating Activities	2,893,493	4,268,073	4,069,403	2,855,578	1,211,796	1,366,987
Operating Cash Flow	-70,929,066	-65,784,413	-34,108,376	-31,351,288	-35,550,325	-37,350,749
Capital Expenditures	-217,435	-225,579	-223,136	-240,718	-326,118	-132,196
Sale of Property, Plant and Equipment	1,463	190	2,388	2,042	-	58
Investment in Securities	-	-	-	-	2,890	-
Other Investing Activities	2,745	3,746	3,345	2,895	1,766	1,941
Investing Cash Flow	-213,227	-221,643	-217,403	-235,781	-321,462	-130,197
Issuance of Common Stock	179	134	93	60	130	-
Common Dividends Paid	-2,085,389	-3,171,009	-3,161,510	-	-	-
Net Increase (Decrease) in Deposit Accounts	76,944,235	64,291,920	63,926,606	33,269,021	45,184,743	43,254,463
Financing Cash Flow	74,859,025	61,121,045	60,765,189	33,269,081	45,184,873	43,254,463
Net Cash Flow	3,716,732	-4,885,011	26,439,410	1,682,012	9,313,086	5,773,517
Free Cash Flow	-71,146,501	-66,009,992	-34,331,512	-31,592,006	-35,876,443	-37,482,945
Free Cash Flow Margin	-426.97%	-407.08%	-198.28%	-188.29%	-270.88%	-364.78%
Free Cash Flow Per Share	-20948.82	-19436.39	-10108.78	-9336.82	-10634.92	-11169.06
Cash Interest Paid	18,606,007	16,528,054	17,726,445	11,361,778	9,431,875	8,632,460
Cash Income Tax Paid	1,960,344	1,959,227	2,328,881	989,533	1,409,480	1,041,884

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