HNX:BAB Income Statement

Financials in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	12,421,784	13,384,284	10,342,019	9,458,828	9,824,590
Interest Paid on Deposits	9,195,747	10,995,013	7,828,820	7,341,600	7,793,519
Net Interest Income	3,226,037	2,389,271	2,513,199	2,117,228	2,031,071
Net Interest Income Growth (YoY)	29.64%	-4.93%	18.70%	4.24%	-
Gain (Loss) on Sale of Investments	340,713	319,652	107,476	169,409	46,735
Gain (Loss) on Sale of Equity Investments	10,865	27,639	6,907	1,978	3,227
Other Non-Interest Income	141,350	309,751	240,094	175,473	148,495
Total Non-Interest Income	492,928	657,042	354,477	346,860	198,457
Non-Interest Income Growth (YoY)	16.76%	85.36%	2.20%	74.78%	-
Revenues Before Loan Losses	3,718,965	3,046,313	2,867,676	2,464,088	2,229,528
Provision for Loan Losses	263,401	152,568	112,384	243,589	254,326
Revenue	3,455,564	2,893,745	2,755,292	2,220,499	1,975,202
Revenue Growth (YoY)	22.39%	5.02%	24.08%	12.42%	-
Other Non-Interest Expense	2,132,685	1,832,911	1,716,333	1,312,134	1,240,389
Total Non-Interest Expense	2,132,685	1,832,911	1,716,333	1,312,134	1,240,389
EBT Excluding Unusual Items	1,322,879	1,060,834	1,038,959	908,365	734,813
Pretax Income	1,322,879	1,060,834	1,038,959	908,365	734,813
Income Tax Expense	262,060	206,467	206,440	182,026	147,019
Net Income	1,060,819	854,367	832,519	726,339	587,794
Net Income to Common	1,060,819	854,367	832,519	726,339	587,794
Net Income Growth	50.73%	2.62%	14.62%	23.57%	-
Effective Tax Rate	19.81%	19.46%	19.87%	20.04%	20.01%

Source: S&P Capital IQ. Banks template. Financial Sources.