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

HOSE:CTG Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	11,309,025	416,336,932	338,826,651	231,503,809	206,571,110	140,993,143
Investment Securities	743,272,990	275,936,404	261,391,933	222,122,802	210,782,795	180,971,455
Trading Asset Securities	5,246,952	3,170,879	2,798,875	2,487,905	4,464,910	3,930,099
Total Investments	748,519,942	279,107,283	264,190,808	224,610,707	215,247,705	184,901,554
Gross Loans	-	2,005,379,232	1,729,907,561	1,493,956,186	1,294,820,987	1,150,185,049
Allowance for Loan Losses	-	-34,810,365	-36,664,125	-27,772,921	-29,413,230	-25,795,102
Net Loans	-	1,970,568,867	1,693,243,436	1,466,183,265	1,265,407,757	1,124,389,947
Property, Plant & Equipment	6,559,575	12,322,491	11,827,727	11,703,487	11,681,113	11,760,186
Other Intangible Assets	4,361,060	4,097,726	3,852,941	3,992,272	4,155,504	4,303,330
Accrued Interest Receivable	20,970,010	17,173,963	13,312,631	14,761,581	12,399,295	9,856,571
Other Receivables	41,090,003	25,982,018	20,630,702	34,894,383	59,379,204	27,492,360
Restricted Cash	15,046,649	35,225,543	34,431,657	40,597,059	29,727,110	23,383,443
Other Current Assets	-	3,984,413	3,890,735	3,452,083	3,289,898	3,368,850
Long-Term Deferred Tax Assets	434	434	4,369	-	-	338
Other Long-Term Assets	3,882,833	2,899,630	1,176,075	914,960	952,172	1,137,676
Total Assets	2,951,844,765	2,767,699,300	2,385,387,732	2,032,613,606	1,808,810,868	1,531,587,398

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	-	-	-	69,226	289,858
Accrued Expenses	-	4,318,229	4,622,992	3,369,253	3,067,137	2,468,378
Interest Bearing Deposits	2,354,075,778	1,583,789,612	1,417,171,306	1,207,584,106	1,150,062,088	994,871,688
Non-Interest Bearing Deposits	-	744,126,343	587,436,241	484,254,896	342,089,147	232,436,359
Total Deposits	2,354,075,778	2,327,915,955	2,004,607,547	1,691,839,002	1,492,151,235	1,227,308,047
Short-Term Borrowings	171,896	9,660,503	9,408,699	555,946	648,396	-
Current Portion of Long-Term Debt	-	120,905,257	105,395,191	766,887	1,088,233	1,505,274
Current Income Taxes Payable	-	4,359,642	3,337,834	3,119,682	2,959,719	721,321
Accrued Interest Payable	36,873,069	26,660,549	21,026,493	27,999,187	21,587,660	16,867,319
Other Current Liabilities	-	187,965	203,868	2,241,727	4,045,663	9,067,469
Long-Term Debt	321,992,216	73,711,064	71,579,488	162,042,481	163,259,935	172,187,757
Long-Term Unearned Revenue	-	4,339,380	4,253,734	-	-	-
Long-Term Deferred Tax Liabilities	-	-	-	171	112	-
Other Long-Term Liabilities	31,266,249	15,985,751	12,447,178	14,807,450	11,617,244	7,522,464
Total Liabilities	2,744,379,208	2,588,044,295	2,236,883,024	1,906,741,786	1,700,494,560	1,437,937,887

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	77,669,446	77,669,446	53,699,917	53,699,917	48,057,506	48,057,506
Additional Paid-In Capital	8,974,655	8,974,666	8,974,677	8,974,677	8,974,677	8,974,698
Retained Earnings	117,219,190	89,867,149	83,706,875	61,413,004	49,587,653	35,161,396
Comprehensive Income & Other	2,308,033	1,937,311	1,152,510	923,002	957,025	761,139
Total Common Equity	206,171,324	178,448,572	147,533,979	125,010,600	107,576,861	92,954,739
Minority Interest	1,294,233	1,206,433	970,729	861,220	739,447	694,772
Shareholders' Equity	207,465,557	179,655,005	148,504,708	125,871,820	108,316,308	93,649,511
Total Liabilities & Equity	2,951,844,765	2,767,699,300	2,385,387,732	2,032,613,606	1,808,810,868	1,531,587,398

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	322,164,112	204,276,824	186,383,378	163,365,314	164,996,564	173,693,031
Net Cash (Debt)	225,998,920	274,858,705	198,093,084	108,112,188	72,989,962	-28,632,909
Net Cash Growth	-17.62%	38.75%	83.23%	48.12%	-	-
Net Cash Per Share	-	35388.27	25504.63	13919.15	9397.26	-3686.39
Filing Date Shares Outstanding	-	7,767	7,767	7,767	7,767	7,767
Total Common Shares Outstanding	-	7,767	7,767	7,767	7,767	7,767
Book Value Per Share	-	22975.39	18994.59	16094.77	13850.16	11967.61
Tangible Book Value	201,810,264	174,350,846	143,681,038	121,018,328	103,421,357	88,651,409
Tangible Book Value Per Share	-	22447.80	18498.54	15580.78	13315.15	11413.57

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 4, 2026

Data Sources Report a data error