HOSE: ACB 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	FY 2019	2018 - 2014
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	Dec '19 Dec 31, 2019	2018 - 2014
Interest Income on Loans	49,899,388	52,346,796	40,698,834	33,713,810	31,855,748	28,317,522	Upgrade
Interest Paid on Deposits	22,895,361	27,387,226	17,165,305	14,769,018	17,273,625	16,205,362	Upgrade
Net Interest Income	27,004,027	24,959,570	23,533,529	18,944,792	14,582,123	12,112,160	Upgrade
Net Interest Income Growth (YoY)	7.48%	6.06%	24.22%	29.92%	20.39%	16.88%	Upgrade
Income From Trading Activities	212,522	168,383	-387,873	449,960	166,503	129,528	Upgrade
Gain (Loss) on Sale of Investments	1,594,001	2,640,351	-8,533	223,431	732,194	-34	Upgrade
Gain (Loss) on Sale of Equity Investments	-	-	-	-	1,526	43	Upgrade
Other Non-Interest Income	4,522,687	4,971,423	5,623,763	3,926,961	2,679,042	3,855,622	Upgrade
Total Non-Interest Income	6,329,210	7,780,157	5,227,357	4,600,352	3,579,265	3,985,159	Upgrade
Non-Interest Income Growth (YoY)	-11.60%	48.84%	13.63%	28.53%	-10.19%	8.57%	Upgrade
Revenues Before Loan Losses	33,333,237	32,739,727	28,760,886	23,545,144	18,161,388	16,097,319	Upgrade
Provision for Loan Losses	1,780,251	1,804,231	70,814	3,336,109	941,153	273,821	Upgrade
Revenue	31,552,986	30,935,496	28,690,072	20,209,035	17,220,235	15,823,498	Upgrade
Revenue Growth (YoY)	3.28%	7.83%	41.97%	17.36%	8.83%	20.78%	Upgrade
Salaries and Employee Benefits	6,621,790	6,215,207	6,069,294	5,128,784	4,337,109	3,763,241	Upgrade
Occupancy Expenses	1,729,757	1,780,389	1,733,724	1,692,359	1,750,411	1,643,038	Upgrade
Federal Deposit Insurance	555,197	504,504	455,482	419,539	374,287	330,101	Upgrade
Selling, General & Administrative	2,246,072	2,346,192	3,286,908	1,736,532	1,793,343	-	Upgrade
Other Non-Interest Expense	21,996	21,205	30,456	-766,291	-630,803	2,571,182	Upgrade
Total Non-Interest Expense	11,174,812	10,867,497	11,575,864	8,210,923	7,624,347	8,307,562	Upgrade
EBT Excluding Unusual Items	20,378,174	20,067,999	17,114,208	11,998,112	9,595,888	7,515,936	Upgrade
Pretax Income	20,378,174	20,067,999	17,114,208	11,998,112	9,595,888	7,515,936	Upgrade
Income Tax Expense	4,127,491	4,023,266	3,426,015	2,395,366	1,913,065	1,505,999	Upgrade
Net Income	16,250,683	16,044,733	13,688,193	9,602,746	7,682,823	6,009,937	Upgrade
Preferred Dividends & Other Adjustments	150,000	150,000	150,000	150,000	100,000	100,000	Upgrade
Net Income to Common	16,100,683	15,894,733	13,538,193	9,452,746	7,582,823	5,909,937	Upgrade
Net Income Growth	9.00%	17.22%	42.54%	24.99%	27.84%	16.99%	Upgrade
Basic Shares Outstanding	4,538	4,467	4,467	4,467	4,464	4,394	Upgrade
Diluted Shares Outstanding	4,538	4,467	4,467	4,467	4,464	4,394	Upgrade
Shares Change (YoY)	1.70%	-	-	0.06%	1.60%	0.88%	Upgrade
EPS (Basic)	3548.21	3558.53	3030.94	2116.29	1698.61	1345.12	Upgrade
EPS (Diluted)	3548.21	3558.53	3030.94	2116.29	1698.61	1345.12	Upgrade
EPS Growth	7.27%	17.41%	43.22%	24.59%	26.28%	17.47%	Upgrade
Dividend Per Share	-	-	756.144	-	-	-	Upgrade
Effective Tax Rate	20.25%	20.05%	20.02%	19.96%	19.94%	20.04%	Upgrade

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