Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) — Financial Flexibility Index
Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) has a Financial Flexibility Index of 0.02x as of March 2026. Free cash flow of ₫17.56 Trillion (operating CF ₫17.54 Trillion minus capex ₫14.11 Billion) represents 0% of total liabilities (₫859.26 Trillion). Check asset allocation strategy of Sai Gon Ha Noi Commercial Joint Stock Ba to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Sai Gon Ha Noi Commercial Joint Stock Bank Financial Flexibility Index (2019–2025)
Historical Financial Flexibility Index trend for Sai Gon Ha Noi Commercial Joint Stock Bank across 7 annual periods. See Sai Gon Ha Noi Commercial Joint Stock Ba (SHB) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Sai Gon Ha Noi Commercial Joint Stock Bank (2019–2025)
Year-by-year free cash flow to debt coverage for Sai Gon Ha Noi Commercial Joint Stock Bank. For the full company profile including market capitalisation, see Sai Gon Ha Noi Commercial Joint Stock Ba (SHB) market capitalisation.
| Year | Flexibility Index | Free Cash Flow (VND) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.04x | ₫35.27 Trillion | ₫34.92 Trillion | ₫823.88 Trillion | ▲ +142.7% |
| 2024 | 0.02x | ₫12.16 Trillion | ₫11.95 Trillion | ₫689.41 Trillion | ▼ -65.5% |
| 2023 | 0.05x | ₫29.71 Trillion | ₫29.49 Trillion | ₫580.40 Trillion | ▲ +173.8% |
| 2022 | -0.07x | ₫-35.22 Trillion | ₫-35.29 Trillion | ₫508.00 Trillion | ▲ +29.7% |
| 2021 | -0.10x | ₫-46.49 Trillion | ₫-46.69 Trillion | ₫471.07 Trillion | ▲ +5.6% |
| 2020 | -0.10x | ₫-40.64 Trillion | ₫-40.75 Trillion | ₫388.64 Trillion | ▼ -68.0% |
| 2019 | -0.06x | ₫-21.58 Trillion | ₫-21.72 Trillion | ₫346.75 Trillion | — |