HOSE:BID 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	154,992,934	138,283,813	152,761,316	121,000,733	101,007,908
Interest Paid on Deposits	91,697,828	80,280,835	96,625,750	65,041,035	54,184,600
Net Interest Income	63,295,106	58,002,978	56,135,566	55,959,698	46,823,308
Net Interest Income Growth (YoY)	9.12%	3.33%	0.31%	19.51%	30.80%
Income From Trading Activities	2,980,760	5,184,843	3,177,136	226,803	793,672
Gain (Loss) on Sale of Equity Investments	984,777	419,638	251,630	236,176	169,791
Other Non-Interest Income	23,953,289	17,489,156	13,448,685	13,056,902	14,707,118
Total Non-Interest Income	27,918,826	23,093,637	16,877,451	13,519,881	15,670,581
Non-Interest Income Growth (YoY)	20.89%	36.83%	24.83%	-13.72%	10.04%
Revenues Before Loan Losses	91,213,932	81,096,615	73,013,017	69,479,579	62,493,889
Provision for Loan Losses	22,998,662	21,040,890	20,343,515	23,842,333	29,480,917
Revenue	68,215,270	60,055,725	52,669,502	45,637,246	33,012,972
Revenue Growth (YoY)	13.59%	14.02%	15.41%	38.24%	23.55%
Salaries and Employee Benefits	17,778,083	15,998,940	14,478,077	12,837,265	11,428,468
Occupancy Expenses	4,646,199	4,557,413	4,001,989	1,057,839	1,222,703
Federal Deposit Insurance	1,513,121	1,317,494	1,149,475	-	-
Selling, General & Administrative	6,434,442	5,999,261	5,630,488	-	-
Other Non-Interest Expense	55,907	106,396	-179,431	8,819,493	6,814,150
Total Non-Interest Expense	30,427,752	27,979,504	25,080,598	22,714,597	19,465,321
EBT Excluding Unusual Items	37,787,518	32,076,221	27,588,904	22,922,649	13,547,651
Pretax Income	37,787,518	32,076,221	27,588,904	22,922,649	13,547,651
Income Tax Expense	7,357,388	6,399,103	5,611,763	4,574,125	2,706,380
Earnings From Continuing Operations	30,430,130	25,677,118	21,977,141	18,348,524	10,841,271
Minority Interest in Earnings	-525,866	-465,069	-472,223	-262,612	-301,133
Net Income	29,904,264	25,212,049	21,504,918	18,085,912	10,540,138
Preferred Dividends & Other Adjustments	3,446,462	3,041,449	2,614,380	2,701,584	1,806,861
Net Income to Common	26,457,802	22,170,600	18,890,538	15,384,328	8,733,277
Net Income Growth	18.61%	17.24%	18.90%	71.59%	50.65%
Basic Shares Outstanding	7,010	6,898	6,898	6,897	6,898
Diluted Shares Outstanding	7,010	6,898	6,898	6,897	6,898
Shares Change (YoY)	1.62%	0.01%	0.01%	-0.02%	-
EPS (Basic)	3774.29	3214.06	2738.75	2230.58	1266.02
EPS (Diluted)	3774.29	3214.06	2738.75	2230.58	1266.02
EPS Growth	17.43%	17.36%	22.78%	76.19%	71.88%
Dividend Per Share	-	450.000	-	-	-
Effective Tax Rate	19.47%	19.95%	20.34%	19.96%	19.98%

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