HOSE:CTG 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	143,142,328	124,460,685	132,671,737	104,664,634	84,628,302
Interest Paid on Deposits	76,689,083	62,057,891	79,714,259	56,872,679	42,839,837
Net Interest Income	66,453,245	62,402,794	52,957,478	47,791,955	41,788,465
Net Interest Income Growth (YoY)	6.49%	17.84%	10.81%	14.37%	17.45%
Income From Trading Activities	856,363	-196,215	138,505	-142,347	719,729
Gain (Loss) on Sale of Assets	-	-	7,881	14,663	4,494
Gain (Loss) on Sale of Equity Investments	369,015	370,109	194,931	424,508	393,611
Other Non-Interest Income	19,616,166	19,331,995	17,249,370	16,028,397	10,250,333
Total Non-Interest Income	20,841,544	19,505,889	17,590,687	16,325,221	11,368,167
Non-Interest Income Growth (YoY)	6.85%	10.89%	7.75%	43.60%	16.27%
Revenues Before Loan Losses	87,294,789	81,908,683	70,548,165	64,117,176	53,156,632
Provision for Loan Losses	17,298,056	27,598,829	25,115,141	23,790,589	18,381,626
Revenue	69,996,733	54,309,854	45,433,024	40,326,587	34,775,006
Revenue Growth (YoY)	28.88%	19.54%	12.66%	15.96%	4.78%
Salaries and Employee Benefits	15,853,418	12,987,140	11,636,246	11,086,985	10,013,309
Occupancy Expenses	3,159,579	2,862,498	2,715,410	2,691,964	2,903,591
Federal Deposit Insurance	1,241,157	1,121,094	985,905	880,010	772,469
Selling, General & Administrative	6,071,774	5,102,696	4,883,219	4,208,269	3,376,171
Other Non-Interest Expense	224,851	472,501	222,719	327,486	120,310
Total Non-Interest Expense	26,550,779	22,545,929	20,443,499	19,194,714	17,185,850
EBT Excluding Unusual Items	43,445,954	31,763,925	24,989,525	21,131,873	17,589,156
Pretax Income	43,445,954	31,763,925	24,989,525	21,131,873	17,589,156
Income Tax Expense	8,588,512	6,281,358	4,944,903	4,148,228	3,373,814
Earnings From Continuing Operations	34,857,442	25,482,567	20,044,622	16,983,645	14,215,342
Minority Interest in Earnings	-266,785	-134,352	-141,072	-59,920	-126,582
Net Income	34,590,657	25,348,215	19,903,550	16,923,725	14,088,760
Preferred Dividends & Other Adjustments	-	-	2,718,159	2,409,538	2,026,475
Net Income to Common	34,590,657	25,348,215	17,185,391	14,514,187	12,062,285
Net Income Growth	36.46%	27.36%	17.61%	20.12%	2.69%
Basic Shares Outstanding	7,767	7,767	7,767	7,767	7,767
Diluted Shares Outstanding	7,767	7,767	7,767	7,767	7,767
Shares Change (YoY)	-0.00%	-	-	-	-0.00%
EPS (Basic)	4453.57	3263.51	2212.57	1868.66	1552.98
EPS (Diluted)	4453.57	3263.51	2212.57	1868.66	1552.98
EPS Growth	36.47%	47.50%	18.40%	20.33%	1.22%
Dividend Per Share	-	311.117	-	-	-
Effective Tax Rate	19.77%	19.78%	19.79%	19.63%	19.18%

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