HOSE:ACB 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	Sep '26 Sep 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	75,422,905	58,755,829	50,902,749	52,346,796	40,698,834	33,713,810
Interest Paid on Deposits	45,360,429	31,850,134	23,108,047	27,387,226	17,165,305	14,769,018
Net Interest Income	30,062,476	26,905,695	27,794,702	24,959,570	23,533,529	18,944,792
Net Interest Income Growth	11.79%	-3.20%	11.36%	6.06%	24.22%	29.92%
Income From Trading Activities	131,789	474,316	200,357	168,383	-387,873	449,960
Gain (Loss) on Sale of Investments	-37,834	405,676	445,742	2,640,351	-8,533	223,431
Other Non-Interest Income	6,055,781	6,021,088	5,069,388	4,971,423	5,623,763	3,926,961
Total Non-Interest Income	6,149,736	6,901,080	5,715,487	7,780,157	5,227,357	4,600,352
Non-Interest Income Growth	-15.22%	20.74%	-26.54%	48.84%	13.63%	28.53%
Revenues Before Loan Losses	36,212,212	33,806,775	33,510,189	32,739,727	28,760,886	23,545,144
Provision for Loan Losses	4,636,671	3,334,748	1,606,285	1,804,231	70,814	3,336,109
Revenue	31,575,541	30,472,027	31,903,904	30,935,496	28,690,072	20,209,035
Revenue Growth	-3.20%	-4.49%	3.13%	7.83%	41.97%	17.36%
Salaries and Employee Benefits	6,631,075	6,231,750	6,468,329	6,215,207	6,069,294	5,128,784
Occupancy Expenses	1,688,277	1,648,010	1,645,532	392,052	1,733,724	1,692,359
Federal Deposit Insurance	667,154	646,439	574,929	504,504	455,482	419,539
Selling, General & Administrative	2,474,732	2,382,631	2,212,159	2,346,192	3,286,908	1,736,532
Other Non-Interest Expense	32,874	24,421	-2,916	1,409,542	30,456	-766,291
Total Non-Interest Expense	11,494,112	10,933,251	10,898,033	10,867,497	11,575,864	8,210,923
EBT Excluding Unusual Items	20,081,429	19,538,776	21,005,871	20,067,999	17,114,208	11,998,112
Pretax Income	20,081,429	19,538,776	21,005,871	20,067,999	17,114,208	11,998,112
Income Tax Expense	3,985,041	3,914,077	4,216,103	4,023,266	3,426,015	2,395,366
Net Income	16,096,388	15,624,699	16,789,768	16,044,733	13,688,193	9,602,746
Preferred Dividends & Other Adjustments	100,000	100,000	400,000	150,000	150,000	150,000
Net Income to Common	15,996,388	15,524,699	16,389,768	15,894,733	13,538,193	9,452,746
Net Income Growth	-5.82%	-5.28%	3.11%	17.41%	43.22%	24.66%
Basic Shares Outstanding	5,804	5,804	5,804	5,804	5,804	5,804
Diluted Shares Outstanding	5,804	5,804	5,804	5,804	5,804	5,804
Shares Change	1.97%	-	-	-	-	0.06%
EPS (Basic)	2756.23	2674.63	2823.67	2738.38	2332.39	1628.54
EPS (Diluted)	2756.23	2674.63	2823.67	2738.38	2332.39	1628.54
EPS Growth	-7.64%	-5.28%	3.11%	17.41%	43.22%	24.59%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Dividend Per Share	-	-	769.527	669.154	581.873	-
Dividend Growth	-	-	15.00%	15.00%	-	-
Effective Tax Rate	19.84%	20.03%	20.07%	20.05%	20.02%	19.96%