HOSE:CTG 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	Sep '26 Sep 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	178,595,060	143,142,328	124,460,685	132,671,737	104,664,634	84,628,302
Interest Paid on Deposits	98,703,941	76,689,083	62,057,891	79,714,259	56,872,679	42,839,837
Net Interest Income	79,891,119	66,453,245	62,402,794	52,957,478	47,791,955	41,788,465
Net Interest Income Growth	23.28%	6.49%	17.84%	10.81%	14.37%	17.45%
Income From Trading Activities	523,266	856,363	-196,215	138,505	-142,347	719,729
Gain (Loss) on Sale of Assets	18,406	18,406	12,517	7,881	14,663	4,494
Gain (Loss) on Sale of Equity Investments	166,545	369,015	370,109	194,931	424,508	393,611
Other Non-Interest Income	22,965,513	19,597,760	19,319,478	17,249,370	16,028,397	10,250,333
Total Non-Interest Income	23,673,730	20,841,544	19,505,889	17,590,687	16,325,221	11,368,167
Non-Interest Income Growth	16.34%	6.85%	10.89%	7.75%	43.60%	16.27%
Revenues Before Loan Losses	103,564,849	87,294,789	81,908,683	70,548,165	64,117,176	53,156,632
Provision for Loan Losses	21,132,251	17,298,056	27,598,829	25,115,141	23,790,589	18,381,626
Revenue	82,432,598	69,996,733	54,309,854	45,433,024	40,326,587	34,775,006
Revenue Growth	25.38%	28.88%	19.54%	12.66%	15.96%	4.78%
Salaries and Employee Benefits	9,089,057	15,853,418	12,987,140	11,636,246	11,086,985	10,013,309
Occupancy Expenses	1,798,261	3,159,579	2,862,498	2,715,410	2,691,964	2,903,591
Federal Deposit Insurance	637,346	1,241,157	1,121,094	985,905	880,010	772,469
Selling, General & Administrative	3,450,870	6,073,919	5,102,696	4,883,219	4,208,269	3,376,171
Other Non-Interest Expense	13,991,362	224,851	472,501	222,719	327,486	120,310
Total Non-Interest Expense	28,966,896	26,552,924	22,545,929	20,443,499	19,194,714	17,185,850
EBT Excluding Unusual Items	53,465,702	43,443,809	31,763,925	24,989,525	21,131,873	17,589,156
Pretax Income	53,465,702	43,443,809	31,763,925	24,989,525	21,131,873	17,589,156
Income Tax Expense	10,743,473	8,572,543	6,281,358	4,944,903	4,148,228	3,373,814
Earnings From Continuing Operations	42,722,229	34,871,266	25,482,567	20,044,622	16,983,645	14,215,342
Minority Interest in Earnings	-163,444	-266,785	-134,352	-141,072	-59,920	-126,582
Net Income	42,558,785	34,604,481	25,348,215	19,903,550	16,923,725	14,088,760
Preferred Dividends & Other Adjustments	-	-	1,404,289	2,718,159	2,409,538	2,026,475
Net Income to Common	42,558,785	34,604,481	23,943,926	17,185,391	14,514,187	12,062,285
Net Income Growth	33.28%	44.52%	39.33%	18.40%	20.33%	1.22%
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	-	-	-0.00%	-	-	-0.00%
EPS (Basic)	-	4455.35	3082.80	2212.57	1868.66	1552.98
EPS (Diluted)	-	4455.35	3082.80	2212.57	1868.66	1552.98
EPS Growth	-	44.52%	39.33%	18.40%	20.33%	1.22%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	450.000	450.000	311.117	-	-	-
Dividend Growth	44.64%	44.64%	-18.87%	-	-	-
Effective Tax Rate	20.09%	19.73%	19.78%	19.79%	19.63%	19.18%