The financial statements of VFS

Income statement, balance sheet and cash flow, by quarter and by year. Unit: VND billion, unless a line states otherwise.

Item	2025	2024
1.1. Gains from financial assets at fair value through profit or loss (FVTPL)	56.4	50.6
a. Realised gains on disposals of FVTPL financial assets	40.9	33.9
b. Gains from revaluation of FVTPL financial assets	13.5	14.4
c. Dividends and interest income from FVTPL financial assets	1.9	2.3
1.2. Gains from held to maturity investments	211.3	78.5
1.3. Interest income from loans and receivables	154.6	96.6
1.6. Revenue from brokerage services	71.9	48.8
1.7. Revenue from share issue guarantee and agency activities	0.1	—
1.8. Revenue from investment advisory services	3.6	3.1
1.10. Revenue from securities custody services	11.3	1.3
1.11. Other revenue	0.0	0.0
Revenue from securities business (01->11)	509.1	278.9
Net sales	509.1	278.9
2.1. Loss from financial assets at fair value through profit or loss (FVTPL)	13.5	14.3
a. Loss from disposals of financial assets at FVTPL	12.0	9.0
b. Loss from revaluation of financial assets at FVTPL	0.0	4.8
c. Transaction cost of acquisition of financial assets at FVTPL	1.5	0.5
(Reversal)/provision expenses for diminution in value and impairment of financial assets and doubtful debts and borrowing costs of loans	-0.3	0.1
2.6. Expenses for proprietary trading activities	0.2	1.7
2.7. Expenses for brokerage services	55.1	37.3
2.9. Expenses for financial advisory services	3.4	2.5
2.11. Expenses for secutiries custodian services	14.9	4.2
Operating expenses (21->33)	86.9	60.2
Gross profit	422.2	218.8
3.2. Dividends, interest income from demand deposits	0.9	14.7
Total financial income (41->44)	0.9	14.7
4.2. Borrowing costs	186.3	43.5
Total financial expenses (51->54)	186.3	43.5
VI. General and Administrative expenses	50.9	33.9
VII. Net profit from securities business (20+50-40-60-61-62)	185.9	156.1
8.1. Other incomes	0.0	—
8.2. Other expenses	0.1	—
Other profit (71-72)	-0.1	—
IX. Profit before tax (70+80)	185.8	156.1
9.1. Realised profit	172.3	146.5
9.2. Unrealised profit	13.5	9.6
CORPORATE INCOME TAX	36.8	30.9
10.1. Current corporate income tax expenses	34.1	29.0
10.2. Deferred income tax expenses	2.7	1.9
XI. Net profit after tax (90-100)	149.0	125.2
11.1. Profit after tax for shareholders of the parents company	149.0	125.2
13.1. Earning per share VND per share	1,069.00	979.00
Earnings per Share VND per share	1,064.18	1,043.10

Item	2025	2024
A. SHORT-TERM ASSETS (100=110+130)	3,827.8	2,849.7
Short-term financial assets	3,822.1	2,845.4
1. Cash and cash equivalents	134.8	157.3
1.1. Cash	134.8	157.3
2. Financial assets at fair value through profit or loss (FVTPL)	165.2	111.7
3. Held to maturity investments (HTM)	1,777.3	1,626.0
4. Loans	1,667.4	926.1
6. Provisions for impairment loss of financial assets and mortgages	-14.0	-14.3
7. Short-term receivables	88.0	35.9
7.2. Receivables and accruals from dividends and interest income	88.0	35.9
7.2.1. Due dividend and interest receivables	31.4	10.6
7.2.2. Undue dividend and interest receivables	56.5	25.3
Prepayments to suppliers	3.1	2.6
9. Service related receivable	0.3	0.2
II. Other short-term assets	5.7	4.3
1. Advances	1.2	0.3
3. Short-term prepayments	2.0	1.6
4. Pledged assets, mortgages, security deposits in short term	2.5	2.2
B. LONG-TERM ASSETS (200=210+220+240+250-260)	835.9	871.9
I. Long-term financial assets	810.0	850.0
2. Long-term investments	810.0	850.0
2.1. Held to maturity investments (HTM)	750.0	850.0
2.5. Other long-term investments	60.0	—
II. Fixed assets	11.9	10.5
1. Tangible fixed assets	4.5	3.7
- Cost	13.2	13.5
- Accumulated depreciation	-8.7	-9.8
3. Intangible fixed assets	7.4	6.8
- Cost	18.9	16.7
- Accumulated depreciation	-11.5	-9.9
IV. Construction in progress	0.4	—
V. Other long-term assets	13.5	11.4
2. Long-term prepayments	1.8	2.1
4. Payment for Settlement Assistance Fund	11.7	9.3
TOTAL ASSETS (270=100+200)	4,663.7	3,721.6
A. LIABILITIES (300=310+340)	2,930.9	2,130.7
I. Short -term liabilities	2,921.0	2,123.5
1. Short-term borrowings	2,889.5	2,100.0
1.1. Short-term borrowings	2,889.5	2,100.0
6. Payables to securities trading activities	2.5	1.0
8. Trade accounts payable	0.6	0.0
9. Advances from customers	0.1	0.2
10. Taxes and other payables to state authorities	14.0	9.9
11. Payable to employees	0.0	3.5
12. Employee welfare payables	—	0.1
13. Accrued expenses	7.3	2.5
17. Other payables	0.1	0.0
19. Bonus and welfare fund	6.9	6.3
II. Long-term liabilities	9.9	7.2
14. Deferred income tax liabilities	9.9	7.2
B. OWNER'S EQUITY (400=410+420)	1,732.8	1,590.9
I. Owner's equity	1,732.8	1,590.9
1. Investment capital from owners	1,399.7	1,200.0
1.1. Capital from owners	1,399.7	1,200.0
a. Common stock VND per share	1,399,674,420,000.00	1,200,000,000,000.00
4. Supplementary capital reserve	0.5	0.5
7. Undistributed earnings after tax	330.7	388.5
7.1. Realised profits	291.2	359.8
7.2. Unrealised losses	39.5	28.7
TOTAL OWNER'S EQUITY AND LIABILITIES (440=300+400)	4,663.7	3,721.6

Item	2025	2024
1. Profit before tax	185.8	156.1
2. Adjustments for	187.8	31.1
- Depreciation and amortization	2.4	2.3
- Loss/(profits) from other investing activities	-0.9	-14.7
- Interest expense	186.3	—
3. Add non-cash expenses	-0.3	4.9
- Loss from revaluation losses of FVTPL financial assets	0.0	4.8
- Loss for impairment of loans	-0.3	0.1
4. Less non-cash income	-13.5	-14.4
- Gains from revaluation gains of FVTPL financial assets	-13.5	-14.4
5. Changes of assets and liabilities	-832.7	-2,049.4
- Increase/decrease in FVTPL financial assets	-40.0	57.4
- Increase/decrease in held to maturity investments	-51.3	-1,876.0
- Increase/decrease in loan	-741.4	-230.8
6. Operating profit before changes in working capital	-473.0	-1,871.7
Increase/decrease in receiables interest of financial assets	-52.1	-5.8
Increase/decrease in service related receivables	-0.2	0.0
Increases/decreases in other receivables	-0.8	0.6
Increase/decrease in other assets	-2.7	-2.8
- Increase/(decrease) in payables (other than interest, corporate income tax)	1.6	0.1
- (Increase)/decrease in prepaid expenses	-0.1	-1.0
- Corporate income tax paid	-32.5	-28.8
- Interest paid	-181.5	-41.3
Increases/decreaese in trade payables	0.1	-1.6
Increases/decreases in employee welfare payables	-0.1	0.1
Increases/decreases in tax and other payables to the State Budget	2.4	-3.9
Increases/dcreases in payable to employees	-3.5	3.5
Increases/dcreases in other payables	0.1	0.0
- Other payments for operating activities	-6.4	-3.9
Net cash flows from securities trading activities	-748.7	-1,956.6
1. Payment for fixed assets, constructions and other long-term assets	-4.2	-6.7
5. Payments for investment in other entities	-60.0	—
7. Dividends, interest and profit received	0.9	14.7
Net cash flows from investing activities	-63.3	8.0
3. Short-term and long-term borrowings	12,496.9	3,508.0
3.2. Other borrowings	12,496.9	3,508.0
4. Principal repayments	-11,707.4	-1,808.0
4.3. Other principal repayments	-11,707.4	-1,808.0
Net cash flows from financing activities	789.5	1,700.0
IV. Net cash flows during the period	-22.5	-248.6
V. Cash and cash equivalents at begingning of the period	157.3	405.9
Cash at bank	157.3	405.9
- Cash at bank for securities company activities	157.3	405.9
Cash and cash equivalents at end of period	134.8	157.3
Cash at bank	134.8	157.3
- Cash at bank for securities company activities	134.8	157.3
1. Proceeds from sale of brokerage securities to customers	25,760.3	33,024.5
2. Money spent on buying brokerage securities for customers	-25,660.9	-33,624.5
Increase / decrease of net money during the period	99.4	-600.0
II. Cash and cash equivalents at the beginning of the period of the customer	47.1	647.1
Cash at bank	47.1	647.1
-Deposits of investors on securities transactions under the Securities Company management method	35.3	373.3
-Securities clearing and settlement deposits	11.8	273.8
III. Cash and cash equivalents at the end of the period of the customer	146.5	47.1
Cash at bank	146.5	47.1
-Deposits of investors on securities transactions under the Securities Company management method	78.5	35.3
-Securities clearing and settlement deposits	68.0	11.8

Item	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
1.1. Gains from financial assets at fair value through profit or loss (FVTPL)	66.9	28.6	22.2	12.2	11.8	10.2	25.3	9.0	0.0	16.2
a. Realised gains on disposals of FVTPL financial assets	82.8	11.8	15.0	7.8	13.5	4.6	13.9	6.2	11.5	2.3
b. Gains from revaluation of FVTPL financial assets	-16.7	16.7	7.0	3.0	-2.0	5.6	10.9	1.2	-11.6	14.0
c. Dividends and interest income from FVTPL financial assets	0.8	—	0.2	1.4	0.4	—	0.5	1.7	0.1	—
1.2. Gains from held to maturity investments	22.9	31.0	55.7	65.1	51.7	38.7	31.1	23.2	14.8	9.4
1.3. Interest income from loans and receivables	57.1	51.4	47.4	42.3	34.0	30.8	26.0	26.5	22.0	22.1
1.6. Revenue from brokerage services	18.0	17.8	25.2	20.9	13.1	12.7	11.3	12.4	12.2	12.9
1.7. Revenue from share issue guarantee and agency activities	2.0	—	—	0.1	—	—	—	—	—	—
1.8. Revenue from investment advisory services	2.7	0.8	1.2	0.9	1.1	0.5	0.6	0.3	0.8	1.4
1.10. Revenue from securities custody services	1.1	0.5	10.2	0.4	0.4	0.3	0.3	0.3	0.4	0.3
1.11. Other revenue	0.0	0.0	0.0	—	—	0.0	—	—	0.0	—
Revenue from securities business (01->11)	170.6	130.2	161.9	141.9	112.1	93.2	94.5	71.8	50.2	62.4
Net sales	170.6	130.2	161.9	141.9	112.1	93.2	94.5	71.8	50.2	62.4
2.1. Loss from financial assets at fair value through profit or loss (FVTPL)	61.9	16.2	2.5	5.1	3.0	2.9	5.0	3.0	-11.5	17.9
a. Loss from disposals of financial assets at FVTPL	4.3	14.4	4.1	2.5	4.5	0.7	5.0	2.6	1.2	0.2
b. Loss from revaluation of financial assets at FVTPL	57.1	1.2	-2.2	2.2	-2.0	2.0	-0.2	0.2	-12.7	17.6
c. Transaction cost of acquisition of financial assets at FVTPL	0.4	0.7	0.6	0.3	0.4	0.2	0.2	0.2	0.1	0.0
(Reversal)/provision expenses for diminution in value and impairment of financial assets and doubtful debts and borrowing costs of loans	-0.3	0.1	0.0	-0.3	0.0	-0.1	0.0	0.1	0.0	-0.1
2.6. Expenses for proprietary trading activities	0.5	0.4	0.0	0.1	0.1	0.0	0.6	0.4	0.5	0.3
2.7. Expenses for brokerage services	15.2	16.6	19.3	15.8	10.3	9.7	11.8	9.3	9.5	6.8
2.9. Expenses for financial advisory services	1.1	1.1	1.1	0.9	0.8	0.6	0.9	0.6	0.7	0.4
2.11. Expenses for secutiries custodian services	1.7	2.2	11.3	1.3	1.3	1.1	1.2	1.2	1.1	0.8
Operating expenses (21->33)	80.1	36.6	34.3	22.8	15.5	14.2	19.4	14.4	0.2	26.1
Gross profit	90.6	93.6	127.5	119.0	96.6	79.0	75.1	57.4	50.0	36.3
3.2. Dividends, interest income from demand deposits	0.1	0.1	0.6	0.1	0.1	0.1	2.5	0.8	3.1	8.3
3.4. Other income about investment	—	0.0	—	—	—	—	—	—	—	—
Total financial income (41->44)	0.1	0.1	0.6	0.1	0.1	0.1	2.5	0.8	3.1	8.3
4.2. Borrowing costs	37.8	43.7	58.9	57.3	41.5	28.6	19.6	12.3	6.4	5.2
Total financial expenses (51->54)	37.8	43.7	58.9	57.3	41.5	28.6	19.6	12.3	6.4	5.2
VI. General and Administrative expenses	14.8	18.0	15.6	13.0	11.5	10.8	10.3	8.9	9.2	5.4
VII. Net profit from securities business (20+50-40-60-61-62)	38.1	31.9	53.6	48.9	43.8	39.7	47.8	36.9	37.5	33.9
8.1. Other incomes	0.0	0.0	0.0	—	—	—	—	—	—	—
8.2. Other expenses	0.1	—	—	—	0.1	—	—	—	—	—
Other profit (71-72)	-0.1	0.0	0.0	—	-0.1	—	—	—	—	—
IX. Profit before tax (70+80)	37.9	31.9	53.6	48.9	43.6	39.7	47.8	36.9	37.5	33.9
9.1. Realised profit	111.8	16.3	44.4	48.1	43.7	36.0	36.7	35.9	36.3	37.6
9.2. Unrealised profit	-73.8	15.6	9.2	0.8	-0.1	3.6	11.1	1.0	1.1	-3.7
CORPORATE INCOME TAX	7.4	6.4	10.7	9.5	8.7	7.9	9.5	7.2	7.5	6.8
10.1. Current corporate income tax expenses	22.2	3.3	8.9	9.3	8.7	7.2	7.2	6.9	7.3	7.5
10.2. Deferred income tax expenses	-14.8	3.1	1.8	0.2	-0.0	0.7	2.2	0.2	0.2	-0.7
XI. Net profit after tax (90-100)	30.5	25.5	42.9	39.4	35.0	31.7	38.3	29.8	30.0	27.1
11.1. Profit after tax for shareholders of the parents company	30.5	25.5	42.9	39.4	35.0	31.7	38.3	29.8	30.0	27.1
13.1. Earning per share VND per share	627.00	93.00	254.00	294.00	281.00	240.00	245.00	241.00	242.00	250.00
13.2. Diluted earning per share VND per share	627.00	93.00	254.00	294.00	281.00	240.00	245.00	241.00	242.00	250.00
Earnings per Share VND per share	197.98	182.41	306.36	281.46	269.72	264.33	319.31	248.16	249.61	226.02

Item	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
A. SHORT-TERM ASSETS (100=110+130)	3,924.3	3,553.8	3,827.8	5,342.1	4,993.2	3,654.2	2,851.8	2,416.4	1,844.8	1,536.7
Short-term financial assets	3,916.5	3,546.4	3,822.1	5,337.9	4,988.9	3,649.8	2,845.4	2,410.1	1,838.0	1,528.5
1. Cash and cash equivalents	60.5	135.5	134.8	9.4	62.0	97.8	157.3	131.8	151.5	526.4
1.1. Cash	60.5	135.5	134.8	9.4	62.0	97.8	157.3	131.8	151.5	526.4
2. Financial assets at fair value through profit or loss (FVTPL)	600.4	252.9	165.2	247.7	367.6	376.2	111.7	222.4	156.1	196.9
3. Held to maturity investments (HTM)	1,256.3	1,190.4	1,777.3	3,276.0	3,211.0	1,981.0	1,626.0	1,106.0	689.0	—
4. Loans	1,969.9	1,903.0	1,667.4	1,689.3	1,277.5	1,146.4	926.1	906.0	808.5	774.0
6. Provisions for impairment loss of financial assets and mortgages	-13.8	-14.0	-14.0	-13.9	-14.2	-14.2	-14.3	-14.2	-14.1	-14.1
7. Short-term receivables	40.1	74.7	88.0	126.1	82.0	59.4	35.9	55.7	42.7	41.1
7.2. Receivables and accruals from dividends and interest income	40.1	74.7	88.0	126.1	82.0	59.4	35.9	55.7	42.7	41.1
7.2.1. Due dividend and interest receivables	23.6	20.9	31.4	26.1	19.4	12.6	10.6	10.6	11.9	15.8
7.2.2. Undue dividend and interest receivables	16.5	53.8	56.5	100.0	62.6	46.9	25.3	45.1	30.9	25.3
Prepayments to suppliers	2.9	3.7	3.1	2.9	2.8	2.9	2.6	2.3	4.0	3.9
9. Service related receivable	0.2	0.3	0.3	0.4	0.2	0.2	0.2	0.3	0.3	0.3
II. Other short-term assets	7.7	7.3	5.7	4.2	4.3	4.4	6.4	6.3	6.7	8.2
1. Advances	1.9	1.8	1.2	0.0	0.1	0.1	0.3	0.5	0.5	0.6
3. Short-term prepayments	3.2	2.8	2.0	1.9	1.8	1.9	3.7	3.5	3.9	5.0
4. Pledged assets, mortgages, security deposits in short term	2.7	2.7	2.5	2.3	2.3	2.3	2.2	2.2	2.2	2.1
Taxes and other receivables from state authorities	—	—	—	—	—	—	—	—	—	0.3
B. LONG-TERM ASSETS (200=210+220+240+250-260)	388.0	638.2	835.9	1,024.7	1,023.9	873.0	869.8	870.0	766.2	615.6
I. Long-term financial assets	360.1	610.0	810.0	1,000.0	1,000.0	850.0	850.0	850.0	750.0	600.0
2. Long-term investments	360.1	610.0	810.0	1,000.0	1,000.0	850.0	850.0	850.0	750.0	600.0
2.1. Held to maturity investments (HTM)	300.1	550.0	750.0	1,000.0	1,000.0	850.0	850.0	850.0	750.0	600.0
2.5. Other long-term investments	60.0	60.0	60.0	—	—	—	—	—	—	—
II. Fixed assets	11.8	12.5	11.9	11.9	11.0	10.0	10.5	11.2	7.4	6.8
1. Tangible fixed assets	4.4	4.6	4.5	4.7	5.0	3.5	3.7	4.0	2.8	1.9
- Cost	13.5	13.5	—	—	—	—	—	—	—	—
- Accumulated depreciation	-9.1	-8.9	—	—	—	—	—	—	—	—
3. Intangible fixed assets	7.4	7.9	7.4	7.1	6.0	6.4	6.8	7.2	4.6	4.9
- Cost	19.9	19.9	—	—	—	—	—	—	—	—
- Accumulated depreciation	-12.5	-12.0	—	—	—	—	—	—	—	—
IV. Construction in progress	0.4	—	0.4	—	0.1	—	—	—	—	—
V. Other long-term assets	15.8	15.6	13.5	12.9	12.8	13.1	9.3	8.8	8.8	8.8
2. Long-term prepayments	2.0	1.9	1.8	1.6	1.5	1.8	—	—	—	—
4. Payment for Settlement Assistance Fund	13.8	13.8	11.7	11.3	11.3	11.3	9.3	8.8	8.8	8.8
TOTAL ASSETS (270=100+200)	4,312.3	4,191.9	4,663.7	6,366.9	6,017.1	4,527.2	3,721.6	3,286.4	2,610.9	2,152.3
A. LIABILITIES (300=310+340)	2,537.3	2,433.6	2,930.9	4,677.0	4,366.6	2,911.7	2,130.7	1,733.8	1,088.1	654.3
I. Short -term liabilities	2,539.1	2,420.6	2,921.0	4,668.9	4,358.7	2,903.8	2,123.5	1,728.8	1,083.4	649.8
1. Short-term borrowings	2,477.1	2,391.2	2,889.5	4,634.9	4,329.5	2,872.5	2,100.0	1,700.0	1,058.0	600.0
1.1. Short-term borrowings	2,477.1	2,391.2	2,889.5	4,634.9	4,329.5	2,872.5	2,100.0	1,700.0	1,058.0	600.0
6. Payables to securities trading activities	1.5	2.6	2.5	1.8	1.2	1.2	1.0	0.2	0.1	1.5
8. Trade accounts payable	2.7	0.6	0.6	0.4	0.3	0.2	0.0	0.2	0.2	32.6
9. Advances from customers	—	—	0.1	0.2	0.2	0.2	0.2	0.1	0.1	0.1
10. Taxes and other payables to state authorities	25.9	6.6	14.0	13.7	11.1	9.7	9.9	14.9	13.5	9.1
11. Payable to employees	4.7	5.3	0.0	4.9	3.9	3.5	3.5	1.8	1.9	0.3
12. Employee welfare payables	0.4	0.4	—	0.3	0.3	0.3	0.1	0.3	0.2	—
13. Accrued expenses	10.6	11.6	7.3	5.4	2.9	6.5	2.5	4.1	0.5	2.3
17. Other payables	0.0	0.0	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0
19. Bonus and welfare fund	16.0	2.5	6.9	7.3	9.5	9.7	6.3	7.4	8.9	3.8
II. Long-term liabilities	-1.8	13.0	9.9	8.0	7.9	7.9	7.2	4.9	4.7	4.5
14. Deferred income tax liabilities	-1.8	13.0	9.9	8.0	7.9	7.9	7.2	4.9	4.7	4.5
B. OWNER'S EQUITY (400=410+420)	1,775.0	1,758.3	1,732.8	1,689.9	1,650.5	1,615.6	1,590.9	1,552.6	1,522.8	1,498.0
I. Owner's equity	1,775.0	1,758.3	1,732.8	1,689.9	1,650.5	1,615.6	1,590.9	1,552.6	1,522.8	1,498.0
1. Investment capital from owners	1,539.6	1,399.7	1,399.7	1,399.7	1,296.0	1,200.0	1,200.0	1,200.0	1,200.0	1,200.0
1.1. Capital from owners	1,539.6	1,399.7	1,399.7	1,399.7	1,296.0	1,200.0	1,200.0	1,200.0	1,200.0	1,200.0
a. Common stock VND per share	1,539,634,350,000.00	1,399,674,420,000.00	1,399,674,420,000.00	1,399,674,420,000.00	1,295,998,790,000.00	1,200,000,000,000.00	1,200,000,000,000.00	1,200,000,000,000.00	1,200,000,000,000.00	1,200,000,000,000.00
4. Supplementary capital reserve	0.5	0.5	0.5	0.5	0.5	0.5	0.5	0.5	0.5	0.5
7. Undistributed earnings after tax	232.9	356.2	330.7	287.8	352.1	413.1	388.5	350.1	320.4	295.6
7.1. Realised profits	240.0	304.3	291.2	255.6	320.6	381.6	359.8	330.4	301.4	277.5
7.2. Unrealised losses	-7.1	52.0	39.5	32.2	31.5	31.6	28.7	19.8	19.0	18.1
TOTAL OWNER'S EQUITY AND LIABILITIES (440=300+400)	4,312.3	4,191.9	4,663.7	6,366.9	6,017.1	4,527.2	3,721.6	3,286.4	2,610.9	2,152.3

Item	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
1. Profit before tax	37.9	31.9	53.6	48.9	43.6	39.7	47.8	36.9	37.5	33.9
2. Adjustments for	38.5	44.4	59.0	57.8	41.9	29.1	17.7	12.2	3.8	-2.6
- Depreciation and amortization	0.8	0.7	0.7	0.6	0.6	0.6	0.7	0.6	0.6	0.5
- Loss/(profits) from other investing activities	-0.1	-0.1	-0.6	-0.1	-0.1	-0.1	-2.5	-0.8	-3.1	-8.3
- Interest expense	37.8	43.7	58.9	57.3	41.5	28.6	—	12.3	6.4	5.2
3. Add non-cash expenses	56.9	1.2	-2.2	1.9	-1.9	1.9	-0.2	0.3	-12.7	17.5
- Loss from revaluation losses of FVTPL financial assets	57.1	1.2	-2.2	2.2	-2.0	2.0	-0.2	0.2	-12.7	17.6
- Loss for impairment of loans	-0.3	0.1	0.0	-0.3	—	-0.1	0.0	0.1	0.0	-0.1
4. Less non-cash income	16.7	-16.7	-7.0	-3.0	2.0	-5.6	-10.9	-1.2	11.6	-14.0
- Gains from revaluation gains of FVTPL financial assets	16.7	-16.7	-7.0	-3.0	2.0	-5.6	-10.9	-1.2	11.6	-14.0
5. Changes of assets and liabilities	-304.3	479.3	1,862.1	-356.0	-1,502.6	-836.3	-418.3	-679.7	-831.6	-119.8
- Increase/decrease in FVTPL financial assets	-421.4	-72.0	91.6	120.8	8.5	-260.9	121.8	-65.3	41.9	-41.1
- Increase/decrease in held to maturity investments	184.0	787.0	1,748.7	-65.0	-1,380.0	-355.0	-520.0	-517.0	-839.0	—
- Increase/decrease in loan	-66.8	-235.6	21.9	-411.8	-131.1	-220.4	-20.1	-97.4	-34.5	-78.8
6. Operating profit before changes in working capital	-154.3	540.1	1,965.6	-250.4	-1,417.0	-771.2	-363.9	-631.5	-791.4	-84.9
Increase/decrease in receiables interest of financial assets	34.6	13.3	38.2	-44.1	-22.5	-23.6	19.8	-12.9	-1.7	-11.0
Increase/decrease in service related receivables	0.1	-0.1	0.1	-0.2	-0.0	-0.0	0.2	-0.0	0.1	-0.2
Increases/decreases in other receivables	-0.0	-0.7	-1.1	0.1	0.1	0.2	0.3	-0.0	0.2	0.2
Increase/decrease in other assets	-0.0	-2.2	-0.7	0.0	-0.0	-2.0	-0.6	0.0	-0.0	-2.2
- Increase/(decrease) in payables (other than interest, corporate income tax)	-1.0	0.0	0.7	0.6	-0.0	0.2	0.8	0.1	-1.4	0.6
- (Increase)/decrease in prepaid expenses	-0.5	-0.9	-0.3	-0.2	0.4	0.0	-0.3	0.5	1.0	-2.3
- Corporate income tax paid	-3.3	-8.9	-9.3	-8.7	-7.2	-7.2	-12.5	-5.5	-3.8	-7.0
- Interest paid	-38.7	-39.4	-57.1	-54.7	-45.0	-24.7	-21.1	-8.7	-8.2	-3.2
Increases/decreaese in trade payables	3.0	-0.6	-0.0	0.1	0.2	-0.1	-0.4	1.7	-32.6	29.7
Increases/decreases in employee welfare payables	-0.0	0.4	-0.3	0.0	0.0	0.1	-0.1	0.0	0.2	-0.1
Increases/decreases in tax and other payables to the State Budget	0.4	-1.8	0.8	1.9	-0.1	-0.2	0.3	-0.0	1.1	-5.2
Increases/dcreases in payable to employees	-0.5	5.3	-4.9	1.1	0.3	0.0	1.7	-0.2	1.6	0.3
Increases/dcreases in other payables	0.0	-0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0
- Other payments for operating activities	-0.3	-4.5	-0.3	-2.2	-0.2	-3.6	-1.1	-1.4	-0.1	-1.1
Net cash flows from securities trading activities	-160.7	499.9	1,931.3	-356.7	-1,491.2	-832.1	-377.0	-658.1	-834.9	-86.6
1. Payment for fixed assets, constructions and other long-term assets	-0.4	-0.9	-1.1	-1.4	-1.7	—	0.0	-4.4	-1.1	-1.2
5. Payments for investment in other entities	—	—	-60.0	—	—	—	—	—	—	—
7. Dividends, interest and profit received	0.1	0.1	0.6	0.1	0.1	0.1	2.5	0.8	3.1	8.3
Net cash flows from investing activities	-0.3	-0.9	-60.6	-1.3	-1.6	0.1	2.5	-3.6	2.0	7.1
1. Receipts from equity issue and owner's capital contribution VND per share	139,959,930,000.00	—	—	103,675,630,000.00	95,998,790,000.00	—	—	—	—	—
3. Short-term and long-term borrowings	3,812.7	2,946.3	4,806.0	2,684.9	3,245.5	1,760.5	1,412.0	838.0	1,058.0	200.0
3.2. Other borrowings	3,812.7	2,946.3	4,806.0	2,684.9	3,245.5	1,760.5	1,412.0	838.0	1,058.0	200.0
4. Principal repayments	-3,726.7	-3,444.6	-6,551.4	-2,379.5	-1,788.5	-988.0	-1,012.0	-196.0	-600.0	—
4.3. Other principal repayments	-3,726.7	-3,444.6	-6,551.4	-2,379.5	-1,788.5	-988.0	-1,012.0	-196.0	-600.0	—
6. Dividends paid, profits distributed to owners	-140.0	—	—	-103.7	-96.0	—	—	—	—	—
Net cash flows from financing activities	85.9	-498.3	-1,745.4	305.4	1,457.0	772.5	400.0	642.0	458.0	200.0
IV. Net cash flows during the period	-75.0	0.8	125.3	-52.6	-35.9	-59.5	25.6	-19.7	-374.9	120.5
V. Cash and cash equivalents at begingning of the period	135.5	134.8	9.4	62.0	97.8	157.3	131.8	151.5	526.4	405.9
Cash and cash equivalents at end of period	60.5	135.5	134.8	9.4	62.0	97.8	157.3	131.8	151.5	526.4
1. Proceeds from sale of brokerage securities to customers	12,081.1	5,560.4	9,722.0	5,101.0	3,597.6	7,339.6	4,794.5	4,644.4	11,005.6	12,579.9
2. Money spent on buying brokerage securities for customers	-12,075.4	-5,532.0	-9,892.9	-4,933.1	-3,551.9	-7,283.0	-4,851.9	-4,706.0	-11,292.5	-12,774.0
Increase / decrease of net money during the period	5.7	28.4	-170.9	167.9	45.7	56.6	-57.4	-61.5	-286.9	-194.2
II. Cash and cash equivalents at the beginning of the period of the customer	174.9	146.5	317.4	149.4	103.7	47.1	104.5	166.0	452.9	647.1
-Securities clearing and settlement deposits	0.0	68.0	—	—	—	—	—	—	—	—
III. Cash and cash equivalents at the end of the period of the customer	180.6	174.9	146.5	317.4	149.4	103.7	47.1	104.5	166.0	452.9
-Securities clearing and settlement deposits	41.8	65.3	—	—	—	—	—	—	—	—

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