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	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	164,173,055	143,142,328	124,460,685	132,671,737	104,664,634	84,628,302
Interest Paid on Deposits	88,922,026	76,689,083	62,057,891	79,714,259	56,872,679	42,839,837
Net Interest Income	75,251,029	66,453,245	62,402,794	52,957,478	47,791,955	41,788,465
Net Interest Income Growth	19.05%	6.49%	17.84%	10.81%	14.37%	17.45%
Income From Trading Activities	737,983	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	320,874	369,015	370,109	194,931	424,508	393,611
Other Non-Interest Income	21,082,178	19,597,760	19,319,478	17,249,370	16,028,397	10,250,333
Total Non-Interest Income	22,159,441	20,841,544	19,505,889	17,590,687	16,325,221	11,368,167
Non-Interest Income Growth	3.72%	6.85%	10.89%	7.75%	43.60%	16.27%
Revenues Before Loan Losses	97,410,470	87,294,789	81,908,683	70,548,165	64,117,176	53,156,632
Provision for Loan Losses	19,215,539	17,298,056	27,598,829	25,115,141	23,790,589	18,381,626
Revenue	78,194,931	69,996,733	54,309,854	45,433,024	40,326,587	34,775,006
Revenue Growth	26.62%	28.88%	19.54%	12.66%	15.96%	4.78%
Salaries and Employee Benefits	16,813,369	15,853,418	12,987,140	11,636,246	11,086,985	10,013,309
Occupancy Expenses	3,244,844	3,159,579	2,862,498	2,715,410	2,691,964	2,903,591
Federal Deposit Insurance	1,279,356	1,241,157	1,121,094	985,905	880,010	772,469
Selling, General & Administrative	6,294,209	6,073,919	5,102,696	4,883,219	4,208,269	3,376,171
Other Non-Interest Expense	171,589	224,851	472,501	222,719	327,486	120,310
Total Non-Interest Expense	27,803,367	26,552,924	22,545,929	20,443,499	19,194,714	17,185,850
EBT Excluding Unusual Items	50,391,564	43,443,809	31,763,925	24,989,525	21,131,873	17,589,156
Pretax Income	50,391,564	43,443,809	31,763,925	24,989,525	21,131,873	17,589,156
Income Tax Expense	10,028,159	8,572,543	6,281,358	4,944,903	4,148,228	3,373,814
Earnings From Continuing Operations	40,363,405	34,871,266	25,482,567	20,044,622	16,983,645	14,215,342
Minority Interest in Earnings	-190,645	-266,785	-134,352	-141,072	-59,920	-126,582
Net Income	40,172,760	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	40,172,760	34,604,481	23,943,926	17,185,391	14,514,187	12,062,285
Net Income Growth	39.93%	44.52%	39.33%	18.40%	20.33%	1.22%
Basic Shares Outstanding	7,767	7,767	7,767	7,767	7,767	7,767
Diluted Shares Outstanding	7,767	7,767	7,767	7,767	7,767	7,767
Shares Change	-0.00%	-	-0.00%	-	-	-0.00%
EPS (Basic)	5172.27	4455.35	3082.80	2212.57	1868.66	1552.98
EPS (Diluted)	5172.27	4455.35	3082.80	2212.57	1868.66	1552.98
EPS Growth	39.94%	44.52%	39.33%	18.40%	20.33%	1.22%
Dividend Per Share	450.000	450.000	311.117	-	-	-
Dividend Growth	44.64%	44.64%	-18.87%	-	-	-
Effective Tax Rate	19.90%	19.73%	19.78%	19.79%	19.63%	19.18%