Bac A Commercial Joint Stock Bank (HNX:BAB)

HNX:BAB Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	32,642,529	26,405,164	13,471,123	14,218,808	11,749,010	9,330,302
Investment Securities	17,020,339	12,660,463	9,526,715	10,691,354	13,091,286	12,012,812
Trading Asset Securities	19,946,068	22,869,658	24,783,992	20,992,851	4,871,313	8,533,098
Total Investments	36,966,407	35,530,121	34,310,707	31,684,205	17,962,599	20,545,910
Gross Loans	136,923,382	126,913,786	112,671,899	101,614,237	94,978,178	86,514,082
Allowance for Loan Losses	-2,076,446	-1,564,458	-1,324,433	-1,199,686	-1,047,118	-1,060,112
Net Loans	134,846,936	125,349,328	111,347,466	100,414,551	93,931,060	85,453,970
Property, Plant & Equipment	190,625	167,588	171,659	176,559	177,211	174,474
Other Intangible Assets	866,909	873,008	886,932	876,428	584,075	584,784
Investments in Real Estate	3,683	3,683	3,683	3,683	3,683	14,461
Accrued Interest Receivable	7,539,494	5,593,872	4,125,759	3,624,930	2,886,583	2,438,595
Other Receivables	634,167	465,904	240,372	265,405	645,812	169,453
Restricted Cash	482,882	1,219,788	798,225	887,264	786,421	1,023,135
Other Current Assets	150,541	180,109	100,653	28,109	17,623	21,952
Long-Term Deferred Tax Assets	-	-	-	-	82	83
Other Long-Term Assets	26,920	31,737	30,114	63,129	49,379	34,687
Total Assets	214,351,093	195,820,302	165,486,693	152,243,071	128,793,538	119,791,806

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	241,140	177,197	97,926	145,002	70,018	25,484
Interest Bearing Deposits	146,975,113	141,133,538	125,991,491	119,609,367	97,621,893	101,630,487
Non-Interest Bearing Deposits	11,201,142	11,015,802	8,334,479	10,026,309	10,372,847	896,479
Total Deposits	158,176,255	152,149,340	134,325,970	129,635,676	107,994,740	102,526,966
Short-Term Borrowings	-	-	-	97,173	-	-
Current Portion of Long-Term Debt	9,500,000	5,000,000	-	-	-	-
Current Income Taxes Payable	-	-	-	116,721	82,462	40,823
Accrued Interest Payable	4,231,158	3,390,419	2,456,206	4,121,944	2,624,364	2,540,562
Other Current Liabilities	257,055	576,487	665,429	162,023	327,938	185
Long-Term Debt	28,206,095	21,217,955	16,158,712	7,096,273	7,893,585	5,413,140
Other Long-Term Liabilities	-	-	-	-	-	193,503
Total Liabilities	200,611,703	182,511,398	153,704,243	141,374,812	118,993,107	110,740,663

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	10,721,402	10,032,190	8,959,336	8,334,266	8,133,863	7,531,355
Additional Paid-In Capital	106,955	107,076	107,289	107,289	7,398	7,398
Retained Earnings	1,398,983	1,924,330	1,670,355	1,507,840	1,659,170	1,512,390
Comprehensive Income & Other	1,512,050	1,245,308	1,045,470	918,864	-	-
Shareholders' Equity	13,739,390	13,308,904	11,782,450	10,868,259	9,800,431	9,051,143
Total Liabilities & Equity	214,351,093	195,820,302	165,486,693	152,243,071	128,793,538	119,791,806

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	37,706,095	26,217,955	16,158,712	7,193,446	7,893,585	5,413,140
Net Cash (Debt)	14,882,502	23,056,867	22,096,403	28,018,213	8,726,738	12,450,260
Net Cash Growth	-59.14%	4.35%	-21.14%	221.06%	-29.91%	-12.46%
Net Cash Per Share	12912.67	20005.08	20076.22	25585.19	8124.24	11590.69
Filing Date Shares Outstanding	1,153	1,153	1,101	1,101	1,074	1,074
Total Common Shares Outstanding	1,153	1,153	1,101	1,101	1,074	1,074
Book Value Per Share	11920.86	11547.35	10705.23	9874.62	9123.81	8426.25
Tangible Book Value	12,872,481	12,435,896	10,895,518	9,991,831	9,216,356	8,466,359
Tangible Book Value Per Share	11168.69	10789.89	9899.38	9078.32	8580.05	7881.84

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 11, 2026

Data Sources Report a data error