Vietnam Joint Stock Commercial Bank for Industry and Trade (HOSE:CTG)

HOSE:CTG Balance Sheet

Financials in millions VND. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	338,826,651	231,503,809	206,571,110	140,993,143	102,558,426
Investment Securities	261,392,853	222,122,802	210,782,795	180,971,455	118,277,505
Trading Asset Securities	2,797,955	2,487,905	4,464,910	3,930,099	5,738,869
Total Investments	264,190,808	224,610,707	215,247,705	184,901,554	124,016,374
Gross Loans	1,729,907,561	1,493,956,186	1,294,820,987	1,150,185,049	1,025,237,843
Allowance for Loan Losses	-36,664,125	-27,772,921	-29,413,230	-25,795,102	-12,582,380
Net Loans	1,693,243,436	1,466,183,265	1,265,407,757	1,124,389,947	1,012,655,463
Property, Plant & Equipment	6,149,216	11,703,487	11,681,113	11,760,186	12,051,340
Other Intangible Assets	3,852,941	3,992,272	4,155,504	4,303,330	4,401,762
Accrued Interest Receivable	13,304,657	14,761,581	12,399,295	9,856,571	7,797,843
Other Receivables	27,668,571	34,894,383	59,379,204	27,492,360	16,071,942
Restricted Cash	34,431,657	40,597,059	29,727,110	23,383,443	57,616,650
Other Current Assets	-	3,452,083	3,289,898	3,368,850	3,231,454
Long-Term Deferred Tax Assets	30	-	-	338	-
Other Long-Term Assets	3,715,565	914,960	952,172	1,137,676	1,108,724
Total Assets	2,385,383,532	2,032,613,606	1,808,810,868	1,531,587,398	1,341,509,978
Accounts Payable	14,607,160	77,862	69,226	289,858	272,296
Accrued Expenses	2,353,698	3,369,253	3,067,137	2,468,378	3,163,793
Interest Bearing Deposits	1,272,400,071	1,207,584,106	1,150,062,088	994,871,688	941,350,314
Non-Interest Bearing Deposits	587,264,259	484,254,896	342,089,147	232,436,359	190,145,825
Total Deposits	1,859,664,330	1,691,839,002	1,492,151,235	1,227,308,047	1,131,496,139
Short-Term Borrowings	398,121	-	648,396	-	-
Current Portion of Long-Term Debt	138,832,200	112,793,789	1,088,233	1,505,274	1,969,774
Current Income Taxes Payable	-	3,119,682	2,959,719	721,321	1,309,696
Accrued Interest Payable	21,025,954	27,999,187	21,587,660	16,867,319	16,085,370
Other Current Liabilities	-	2,241,727	4,045,663	9,067,469	1,530,787
Long-Term Debt	191,924,972	50,571,525	163,259,935	172,187,757	92,590,496
Long-Term Deferred Tax Liabilities	-	171	112	-	38,008
Other Long-Term Liabilities	6,632,959	14,729,588	11,617,244	7,522,464	7,614,395
Total Liabilities	2,235,439,394	1,906,741,786	1,700,494,560	1,437,937,887	1,256,070,754
Common Stock	53,699,917	53,699,917	48,057,506	48,057,506	37,234,046
Additional Paid-In Capital	8,974,677	8,974,677	8,974,677	8,974,698	8,974,698
Retained Earnings	85,147,162	61,413,004	49,587,653	35,161,396	37,632,712
Comprehensive Income & Other	1,152,510	923,002	957,025	761,139	997,689
Total Common Equity	148,974,266	125,010,600	107,576,861	92,954,739	84,839,145
Minority Interest	969,872	861,220	739,447	694,772	600,079
Shareholders' Equity	149,944,138	125,871,820	108,316,308	93,649,511	85,439,224
Total Liabilities & Equity	2,385,383,532	2,032,613,606	1,808,810,868	1,531,587,398	1,341,509,978
Total Debt	331,155,293	163,365,314	164,996,564	173,693,031	94,560,270
Net Cash (Debt)	53,320,249	108,112,188	72,989,962	-28,632,909	13,737,025
Net Cash Growth	-50.68%	48.12%	-	-	-68.24%
Net Cash Per Share	9929.30	20132.65	13592.19	-5332.00	2558.08
Filing Date Shares Outstanding	5,370	5,370	5,370	5,370	5,370
Total Common Shares Outstanding	5,370	5,370	5,370	5,370	5,370
Book Value Per Share	27741.99	23279.48	20032.87	17309.95	15798.58
Tangible Book Value	145,121,325	121,018,328	103,421,357	88,651,409	80,437,383
Tangible Book Value Per Share	27024.50	22536.04	19259.03	16508.59	14978.89

Source: S&P Capital IQ. Banks template. Financial Sources.