Asia Commercial Joint Stock Bank (HOSE:ACB)

HOSE:ACB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	56,193,781	50,902,749	52,346,796	40,698,834	33,713,810	31,855,748
Interest Paid on Deposits	29,301,067	23,108,047	27,387,226	17,165,305	14,769,018	17,273,625
Net Interest Income	26,892,714	27,794,702	24,959,570	23,533,529	18,944,792	14,582,123
Net Interest Income Growth (YoY)	-0.41%	11.36%	6.06%	24.22%	29.92%	20.39%
Income From Trading Activities	401,665	200,357	168,383	-387,873	449,960	166,503
Gain (Loss) on Sale of Investments	653,887	445,742	2,640,351	-8,533	223,431	732,194
Gain (Loss) on Sale of Equity Investments	-	-	-	-	-	1,526
Other Non-Interest Income	6,198,138	5,069,388	4,971,423	5,623,763	3,926,961	2,679,042
Total Non-Interest Income	7,253,690	5,715,487	7,780,157	5,227,357	4,600,352	3,579,265
Non-Interest Income Growth (YoY)	14.61%	-26.54%	48.84%	13.63%	28.53%	-10.18%
Revenues Before Loan Losses	34,146,404	33,510,189	32,739,727	28,760,886	23,545,144	18,161,388
Provision for Loan Losses	1,525,778	1,606,285	1,804,231	70,814	3,336,109	941,153
Revenue	32,620,626	31,903,904	30,935,496	28,690,072	20,209,035	17,220,235
Revenue Growth (YoY)	3.38%	3.13%	7.83%	41.97%	17.36%	8.83%
Salaries and Employee Benefits	6,428,393	6,468,329	6,215,207	6,069,294	5,128,784	4,337,109
Occupancy Expenses	421,463	433,368	392,052	1,733,724	1,692,359	1,750,411
Federal Deposit Insurance	633,262	574,929	504,504	455,482	419,539	374,287
Selling, General & Administrative	2,184,922	2,212,159	2,346,192	3,286,908	1,736,532	1,793,343
Other Non-Interest Expense	1,209,566	1,209,248	1,409,542	30,456	-766,291	-630,803
Total Non-Interest Expense	10,877,606	10,898,033	10,867,497	11,575,864	8,210,923	7,624,347
EBT Excluding Unusual Items	21,743,020	21,005,871	20,067,999	17,114,208	11,998,112	9,595,888
Pretax Income	21,743,020	21,005,871	20,067,999	17,114,208	11,998,112	9,595,888
Income Tax Expense	4,357,642	4,216,103	4,023,266	3,426,015	2,395,366	1,913,065
Net Income	17,385,378	16,789,768	16,044,733	13,688,193	9,602,746	7,682,823
Preferred Dividends & Other Adjustments	400,000	400,000	150,000	150,000	150,000	100,000
Net Income to Common	16,985,378	16,389,768	15,894,733	13,538,193	9,452,746	7,582,823
Net Income Growth	6.98%	4.64%	17.22%	42.55%	24.99%	27.83%
Basic Shares Outstanding	5,037	5,137	5,137	5,137	5,137	5,134
Diluted Shares Outstanding	5,037	5,137	5,137	5,137	5,137	5,134
Shares Change (YoY)	-3.47%	-	-	-	0.06%	1.60%
EPS (Basic)	3371.87	3190.75	3094.37	2635.60	1840.25	1477.05
EPS (Diluted)	3371.87	3190.75	3094.37	2635.60	1840.25	1477.05
EPS Growth	9.29%	3.11%	17.41%	43.22%	24.59%	26.28%
Dividend Per Share	869.565	869.565	756.144	657.516	-	-
Dividend Growth	15.00%	15.00%	15.00%	-	-	-
Effective Tax Rate	20.04%	20.07%	20.05%	20.02%	19.96%	19.94%

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