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 total reinvestment intensity of Sai Gon Ha Noi Commercial Joint Stock Ba to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see SHB cash flow conversion.
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. Explore SHB operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
| 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 | — |