HOSE:BID 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	Jun '26 Jun 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	174,799,527	154,992,934	138,283,813	152,761,316	121,000,733	101,007,908
Interest Paid on Deposits	106,903,762	91,697,828	80,280,835	96,625,750	65,041,035	54,184,600
Net Interest Income	67,895,765	63,295,106	58,002,978	56,135,566	55,959,698	46,823,308
Net Interest Income Growth	15.94%	9.12%	3.33%	0.31%	19.51%	30.80%
Income From Trading Activities	2,828,473	2,980,760	5,184,843	3,177,136	226,803	793,672
Gain (Loss) on Sale of Investments	-787,625	-	-	-	-	-
Gain (Loss) on Sale of Equity Investments	1,075,178	984,777	419,638	251,630	236,176	169,791
Other Non-Interest Income	24,549,292	23,953,289	17,489,156	13,448,685	13,056,902	14,707,118
Total Non-Interest Income	27,665,318	27,918,826	23,093,637	16,877,451	13,519,881	15,670,581
Non-Interest Income Growth	10.10%	20.89%	36.83%	24.83%	-13.72%	10.04%
Revenues Before Loan Losses	95,561,083	91,213,932	81,096,615	73,013,017	69,479,579	62,493,889
Provision for Loan Losses	23,640,353	22,998,662	21,040,890	20,343,515	23,842,333	29,480,917
Revenue	71,920,730	68,215,270	60,055,725	52,669,502	45,637,246	33,012,972
Revenue Growth	16.53%	13.59%	14.02%	15.41%	38.24%	23.55%
Salaries and Employee Benefits	18,311,097	17,778,083	15,998,940	14,478,077	12,837,265	11,428,468
Occupancy Expenses	4,864,039	4,646,199	4,557,413	4,001,989	1,057,839	1,222,703
Federal Deposit Insurance	1,537,097	1,513,121	1,317,494	1,149,475	-	-
Selling, General & Administrative	6,425,583	6,434,442	5,999,261	5,630,488	-	-
Other Non-Interest Expense	129,432	55,907	106,396	-179,431	8,819,493	6,814,150
Total Non-Interest Expense	31,267,248	30,427,752	27,979,504	25,080,598	22,714,597	19,465,321
EBT Excluding Unusual Items	40,653,482	37,787,518	32,076,221	27,588,904	22,922,649	13,547,651
Pretax Income	40,653,482	37,787,518	32,076,221	27,588,904	22,922,649	13,547,651
Income Tax Expense	7,903,091	7,357,388	6,399,103	5,611,763	4,574,125	2,706,380
Earnings From Continuing Operations	32,750,391	30,430,130	25,677,118	21,977,141	18,348,524	10,841,271
Minority Interest in Earnings	-494,411	-525,866	-465,069	-472,223	-262,612	-301,133
Net Income	32,255,980	29,904,264	25,212,049	21,504,918	18,085,912	10,540,138
Preferred Dividends & Other Adjustments	3,378,868	3,446,462	3,041,449	2,614,380	2,701,584	1,806,861
Net Income to Common	28,877,112	26,457,802	22,170,600	18,890,538	15,384,328	8,733,277
Net Income Growth	28.52%	19.34%	17.36%	22.79%	76.16%	71.88%
Basic Shares Outstanding	7,584	7,490	7,370	7,370	7,369	7,370
Diluted Shares Outstanding	7,584	7,490	7,370	7,370	7,369	7,370
Shares Change	1.09%	1.62%	0.01%	0.01%	-0.02%	-
EPS (Basic)	3807.77	3532.55	3008.20	2563.33	2087.71	1184.93
EPS (Diluted)	3807.77	3532.55	3008.20	2563.33	2087.71	1184.93
EPS Growth	27.13%	17.43%	17.36%	22.78%	76.19%	71.88%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	421.178	421.178	421.178	-	-	-
Dividend Growth	0%	0%	285.86%	-	-	-
Effective Tax Rate	19.44%	19.47%	19.95%	20.34%	19.96%	19.98%