HNX:BAB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 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	12,954,362	11,812,113	13,384,284	10,342,019	9,458,828	9,824,590
Interest Paid on Deposits	9,647,698	8,490,903	10,995,013	7,828,820	7,341,600	7,793,519
Net Interest Income	3,323,110	3,321,210	2,389,271	2,513,199	2,117,228	2,031,071
Net Interest Income Growth (YoY)	3.01%	39.01%	-4.93%	18.70%	4.24%	-
Gain (Loss) on Sale of Investments	352,192	282,041	319,304	107,476	169,409	46,735
Gain (Loss) on Sale of Equity Investments	12,638	12,638	27,639	6,907	1,978	3,227
Other Non-Interest Income	114,054	43,439	309,751	240,094	175,473	148,495
Total Non-Interest Income	478,884	338,118	656,694	354,477	346,860	198,457
Non-Interest Income Growth (YoY)	-2.78%	-48.51%	85.26%	2.20%	74.78%	-
Revenues Before Loan Losses	3,801,994	3,659,328	3,045,965	2,867,676	2,464,088	2,229,528
Provision for Loan Losses	205,957	151,413	152,568	112,384	243,589	254,326
Revenue	3,596,037	3,507,915	2,893,397	2,755,292	2,220,499	1,975,202
Revenue Growth (YoY)	4.08%	21.24%	5.01%	24.08%	12.42%	-
Salaries and Employee Benefits	1,450,479	1,403,176	1,099,871	-	-	-
Occupancy Expenses	271,238	268,834	248,944	-	-	-
Federal Deposit Insurance	172,443	172,443	144,229	-	-	-
Selling, General & Administrative	30,928	30,928	16,689	-	-	-
Other Non-Interest Expense	407,589	372,256	322,830	1,716,333	1,312,134	1,240,389
Total Non-Interest Expense	2,332,677	2,247,637	1,832,563	1,716,333	1,312,134	1,240,389
EBT Excluding Unusual Items	1,263,360	1,260,278	1,060,834	1,038,959	908,365	734,813
Pretax Income	1,263,360	1,260,278	1,060,834	1,038,959	908,365	734,813
Income Tax Expense	248,109	249,023	206,467	206,440	182,026	147,019
Net Income	1,015,251	1,011,255	854,367	832,519	726,339	587,794
Preferred Dividends & Other Adjustments	-	-	97,064	-	-	-
Net Income to Common	1,015,251	1,011,255	757,303	832,519	726,339	587,794
Net Income Growth	-4.30%	18.36%	2.62%	14.62%	23.57%	-
Basic Shares Outstanding	1,003	958	953	-	-	-
Diluted Shares Outstanding	1,003	958	953	-	-	-
Shares Change (YoY)	-	0.51%	-	-	-	-
EPS (Basic)	1011.99	1055.57	794.48	-	-	-
EPS (Diluted)	1011.99	1055.57	794.48	-	-	-
EPS Growth	-	32.86%	-	-	-	-
Effective Tax Rate	19.64%	19.76%	19.46%	19.87%	20.04%	20.01%

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