Not sure if these can be combined at all.
For example, If Division <> 'A' and vFlag = 'No', the second expression will return vFYSavings, while the fourth vPrjFYSavings.
In general, you can use nested if() statements like
=If( ConditionA, Then1, If( ConditionB, Then2, If(Condition3, Then 3, Else1)))
=If(ConditionA, If(ConditionB, Then1, Else1), Else2)