HNX:BAB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	15,127,359	13,556,729	11,812,113	13,384,284	10,342,019	9,458,828
Interest Income on Investments	53,271	53,838	12,638	-	-	-
Total Interest Income	15,180,630	13,610,567	11,824,751	13,384,284	10,342,019	9,458,828
Interest Paid on Deposits	11,188,325	10,109,831	8,490,903	10,995,013	7,828,820	7,341,600
Net Interest Income	3,992,305	3,500,736	3,333,848	2,389,271	2,513,199	2,117,228
Net Interest Income Growth	18.45%	5.01%	39.53%	-4.93%	18.70%	4.24%
Gain (Loss) on Sale of Investments	69,476	178,778	283,676	319,304	103,322	169,409
Gain (Loss) on Sale of Equity Investments	-	-	-	27,639	6,907	-
Other Non-Interest Income	450,856	356,446	43,439	309,751	240,094	177,451
Total Non-Interest Income	520,332	535,224	327,115	656,694	350,323	346,860
Non-Interest Income Growth	-6.07%	63.62%	-50.19%	87.45%	1.00%	74.78%
Revenues Before Loan Losses	4,512,637	4,035,960	3,660,963	3,045,965	2,863,522	2,464,088
Provision for Loan Losses	621,385	242,047	151,413	152,568	112,384	243,589
Revenue	3,891,252	3,793,913	3,509,550	2,893,397	2,751,138	2,220,499
Revenue Growth	3.48%	8.10%	21.30%	5.17%	23.90%	12.42%
Salaries and Employee Benefits	1,479,402	1,452,737	1,403,176	1,099,871	1,084,319	756,394
Occupancy Expenses	53,704	53,297	50,998	248,944	42,258	35,882
Federal Deposit Insurance	-	-	-	144,229	133,735	127,218
Selling, General & Administrative	-	-	-	16,689	43,083	22,552
Other Non-Interest Expense	873,526	814,310	795,098	322,830	408,784	370,088
Total Non-Interest Expense	2,406,632	2,320,344	2,249,272	1,832,563	1,712,179	1,312,134
EBT Excluding Unusual Items	1,484,620	1,473,569	1,260,278	1,060,834	1,038,959	908,365
Pretax Income	1,484,620	1,473,569	1,260,278	1,060,834	1,038,959	908,365
Income Tax Expense	288,248	283,968	249,023	206,467	206,440	182,026
Net Income	1,196,372	1,189,601	1,011,255	854,367	832,519	726,339
Preferred Dividends & Other Adjustments	-	-	-	97,064	74,428	-
Net Income to Common	1,196,372	1,189,601	1,011,255	757,303	758,091	726,339
Net Income Growth	7.38%	17.64%	33.53%	-0.10%	4.37%	23.57%
Basic Shares Outstanding	1,153	1,153	1,101	1,095	1,074	1,074
Diluted Shares Outstanding	1,153	1,153	1,101	1,095	1,074	1,074
Shares Change	4.72%	4.72%	0.51%	1.95%	-	-
EPS (Basic)	1038.02	1032.15	918.80	691.54	705.75	676.19
EPS (Diluted)	1038.02	1032.15	918.80	691.54	705.75	676.19
EPS Growth	2.54%	12.34%	32.86%	-2.01%	4.37%	23.57%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Effective Tax Rate	19.42%	19.27%	19.76%	19.46%	19.87%	20.04%