Joint Stock Commercial Bank for Investment and Development of Vietnam (HOSE:BID)

HOSE:BID 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	147,727,280	138,288,411	152,761,316	121,000,733	101,007,908	100,687,502
Interest Paid on Deposits	87,978,618	80,280,835	96,625,750	65,041,035	54,184,600	64,890,703
Net Interest Income	59,748,662	58,007,576	56,135,566	55,959,698	46,823,308	35,796,799
Net Interest Income Growth (YoY)	4.39%	3.33%	0.31%	19.51%	30.80%	-0.50%
Income From Trading Activities	6,905,118	5,184,843	3,177,136	226,803	793,672	1,994,805
Gain (Loss) on Sale of Equity Investments	494,668	419,638	251,630	236,176	169,791	126,806
Other Non-Interest Income	20,399,521	17,448,809	13,448,685	13,056,902	14,707,118	12,118,734
Total Non-Interest Income	27,799,307	23,053,290	16,877,451	13,519,881	15,670,581	14,240,345
Non-Interest Income Growth (YoY)	54.38%	36.59%	24.83%	-13.72%	10.04%	17.27%
Revenues Before Loan Losses	87,547,969	81,060,866	73,013,017	69,479,579	62,493,889	50,037,144
Provision for Loan Losses	23,772,053	21,109,180	20,343,515	23,842,333	29,480,917	23,317,941
Revenue	63,775,916	59,951,686	52,669,502	45,637,246	33,012,972	26,719,203
Revenue Growth (YoY)	13.66%	13.83%	15.41%	38.24%	23.55%	-4.54%
Salaries and Employee Benefits	17,415,409	15,998,940	14,478,077	12,837,265	11,428,468	10,117,321
Occupancy Expenses	4,797,203	4,564,945	4,001,989	1,057,839	1,222,703	980,093
Federal Deposit Insurance	1,483,427	1,317,494	1,149,475	-	-	-
Selling, General & Administrative	6,450,339	5,999,333	5,630,488	-	-	-
Other Non-Interest Expense	58,993	86,105	-179,431	8,819,493	6,814,150	6,595,546
Total Non-Interest Expense	30,205,371	27,966,817	25,080,598	22,714,597	19,465,321	17,692,960
EBT Excluding Unusual Items	33,570,545	31,984,869	27,588,904	22,922,649	13,547,651	9,026,243
Pretax Income	33,570,545	31,984,869	27,588,904	22,922,649	13,547,651	9,026,243
Income Tax Expense	6,683,763	6,380,832	5,611,763	4,574,125	2,706,380	1,802,678
Earnings From Continuing Operations	26,886,782	25,604,037	21,977,141	18,348,524	10,841,271	7,223,565
Minority Interest in Earnings	-528,327	-464,000	-472,223	-262,612	-301,133	-226,943
Net Income	26,358,455	25,140,037	21,504,918	18,085,912	10,540,138	6,996,622
Preferred Dividends & Other Adjustments	3,041,449	3,041,449	2,614,380	2,701,584	1,806,861	1,915,641
Net Income to Common	23,317,006	22,098,588	18,890,538	15,384,328	8,733,277	5,080,981
Net Income Growth	12.85%	16.90%	18.90%	71.59%	50.65%	-16.39%
Basic Shares Outstanding	7,021	6,898	6,898	6,897	6,898	6,898
Diluted Shares Outstanding	7,021	6,898	6,898	6,897	6,898	6,898
Shares Change (YoY)	1.80%	-	0.01%	-0.02%	-	14.56%
EPS (Basic)	3320.87	3203.85	2738.75	2230.58	1266.02	736.57
EPS (Diluted)	3320.87	3203.85	2738.75	2230.58	1266.02	736.57
EPS Growth	10.43%	16.98%	22.78%	76.19%	71.88%	-32.42%
Dividend Per Share	450.000	450.000	-	-	-	116.621
Dividend Growth	-	-	-	-	-	-75.00%
Effective Tax Rate	19.91%	19.95%	20.34%	19.96%	19.98%	19.97%

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