HNX:BAB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	13,556,729	11,812,113	13,384,284	10,342,019	9,458,828
Interest Income on Investments	53,838	12,638	-	-	-
Total Interest Income	13,610,567	11,824,751	13,384,284	10,342,019	9,458,828
Interest Paid on Deposits	10,109,831	8,490,903	10,995,013	7,828,820	7,341,600
Net Interest Income	3,500,736	3,333,848	2,389,271	2,513,199	2,117,228
Net Interest Income Growth (YoY)	5.01%	39.53%	-4.93%	18.70%	4.24%
Gain (Loss) on Sale of Investments	178,778	283,676	319,304	107,476	169,409
Gain (Loss) on Sale of Equity Investments	-	-	27,639	6,907	-
Other Non-Interest Income	356,446	43,439	309,751	240,094	177,451
Total Non-Interest Income	535,224	327,115	656,694	354,477	346,860
Non-Interest Income Growth (YoY)	63.62%	-50.19%	85.26%	2.20%	74.78%
Revenues Before Loan Losses	4,035,960	3,660,963	3,045,965	2,867,676	2,464,088
Provision for Loan Losses	242,047	151,413	152,568	112,384	243,589
Revenue	3,793,913	3,509,550	2,893,397	2,755,292	2,220,499
Revenue Growth (YoY)	8.10%	21.30%	5.01%	24.08%	12.42%
Salaries and Employee Benefits	1,452,737	1,403,176	1,099,871	-	756,394
Occupancy Expenses	53,297	50,998	248,944	-	35,882
Federal Deposit Insurance	-	-	144,229	-	127,218
Selling, General & Administrative	-	-	16,689	-	22,552
Other Non-Interest Expense	814,310	795,098	322,830	1,716,333	370,088
Total Non-Interest Expense	2,320,344	2,249,272	1,832,563	1,716,333	1,312,134
EBT Excluding Unusual Items	1,473,569	1,260,278	1,060,834	1,038,959	908,365
Pretax Income	1,473,569	1,260,278	1,060,834	1,038,959	908,365
Income Tax Expense	283,968	249,023	206,467	206,440	182,026
Net Income	1,189,601	1,011,255	854,367	832,519	726,339
Preferred Dividends & Other Adjustments	-	-	97,064	-	-
Net Income to Common	1,189,601	1,011,255	757,303	832,519	726,339
Net Income Growth	17.64%	18.36%	2.62%	14.62%	23.57%
Basic Shares Outstanding	1,072	1,024	1,019	-	999
Diluted Shares Outstanding	1,072	1,024	1,019	-	999
Shares Change (YoY)	4.72%	0.51%	-	-	-
EPS (Basic)	1109.56	987.71	743.41	-	726.91
EPS (Diluted)	1109.56	987.71	743.41	-	726.91
EPS Growth	12.34%	32.86%	-	-	23.57%
Effective Tax Rate	19.27%	19.76%	19.46%	19.87%	20.04%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.