HOSE:ACB 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	58,755,829	50,902,749	52,346,796	40,698,834	33,713,810
Interest Paid on Deposits	31,850,134	23,108,047	27,387,226	17,165,305	14,769,018
Net Interest Income	26,905,695	27,794,702	24,959,570	23,533,529	18,944,792
Net Interest Income Growth (YoY)	-3.20%	11.36%	6.06%	24.22%	29.92%
Income From Trading Activities	474,316	200,357	168,383	-387,873	449,960
Gain (Loss) on Sale of Investments	400,146	445,742	2,640,351	-8,533	223,431
Other Non-Interest Income	6,021,088	5,069,388	4,971,423	5,623,763	3,926,961
Total Non-Interest Income	6,895,550	5,715,487	7,780,157	5,227,357	4,600,352
Non-Interest Income Growth (YoY)	20.65%	-26.54%	48.84%	13.63%	28.53%
Revenues Before Loan Losses	33,801,245	33,510,189	32,739,727	28,760,886	23,545,144
Provision for Loan Losses	3,334,748	1,606,285	1,804,231	70,814	3,336,109
Revenue	30,466,497	31,903,904	30,935,496	28,690,072	20,209,035
Revenue Growth (YoY)	-4.50%	3.13%	7.83%	41.97%	17.36%
Salaries and Employee Benefits	6,231,750	6,468,329	6,215,207	6,069,294	5,128,784
Occupancy Expenses	1,648,010	433,368	392,052	1,733,724	1,692,359
Federal Deposit Insurance	646,439	574,929	504,504	455,482	419,539
Selling, General & Administrative	2,382,631	2,212,159	2,346,192	3,286,908	1,736,532
Other Non-Interest Expense	18,891	1,209,248	1,409,542	30,456	-766,291
Total Non-Interest Expense	10,927,721	10,898,033	10,867,497	11,575,864	8,210,923
EBT Excluding Unusual Items	19,538,776	21,005,871	20,067,999	17,114,208	11,998,112
Pretax Income	19,538,776	21,005,871	20,067,999	17,114,208	11,998,112
Income Tax Expense	3,914,077	4,216,103	4,023,266	3,426,015	2,395,366
Net Income	15,624,699	16,789,768	16,044,733	13,688,193	9,602,746
Preferred Dividends & Other Adjustments	-	400,000	150,000	150,000	150,000
Net Income to Common	15,624,699	16,389,768	15,894,733	13,538,193	9,452,746
Net Income Growth	-6.94%	4.64%	17.22%	42.55%	24.99%
Basic Shares Outstanding	5,170	5,137	5,137	5,137	5,137
Diluted Shares Outstanding	5,170	5,137	5,137	5,137	5,137
Shares Change (YoY)	0.66%	-	-	-	0.06%
EPS (Basic)	3022.00	3190.75	3094.37	2635.60	1840.25
EPS (Diluted)	3022.00	3190.75	3094.37	2635.60	1840.25
EPS Growth	-5.29%	3.11%	17.41%	43.22%	24.59%
Dividend Per Share	-	869.565	756.144	657.516	-
Dividend Growth	-	15.00%	15.00%	-	-
Effective Tax Rate	20.03%	20.07%	20.05%	20.02%	19.96%

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