HOSE: HDB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Interest Income on Loans	58,405,531	52,640,577	33,323,404	26,176,210	23,137,246	19,618,067	Upgrade
Interest Paid on Deposits	28,279,355	30,456,603	15,311,836	12,285,433	11,239,541	9,871,512	Upgrade
Net Interest Income	30,126,176	22,183,974	18,011,568	13,890,777	11,897,705	9,746,555	Upgrade
Net Interest Income Growth (YoY)	53.36%	23.17%	29.67%	16.75%	22.07%	27.48%	Upgrade
Income From Trading Activities	8,421	1,208,728	329,606	100,932	244,988	320,408	Upgrade
Gain (Loss) on Sale of Assets	-	-	-	-	30,706	88,149	Upgrade
Gain (Loss) on Sale of Investments	-	-	-	477,213	-13,185	1,890	Upgrade
Other Non-Interest Income	2,703,115	3,020,983	3,625,930	2,289,323	1,606,036	1,232,876	Upgrade
Total Non-Interest Income	2,711,536	4,229,711	3,955,536	2,867,468	1,868,545	1,643,323	Upgrade
Non-Interest Income Growth (YoY)	-38.11%	6.93%	37.95%	53.46%	13.71%	-12.31%	Upgrade
Revenues Before Loan Losses	32,837,712	26,413,685	21,967,104	16,758,245	13,766,250	11,389,878	Upgrade
Provision for Loan Losses	4,731,975	4,267,751	3,068,339	2,305,860	1,788,384	1,289,083	Upgrade
Revenue	28,105,737	22,145,934	18,898,765	14,452,385	11,977,866	10,100,795	Upgrade
Revenue Growth (YoY)	40.15%	17.18%	30.77%	20.66%	18.58%	18.48%	Upgrade
Salaries and Employee Benefits	6,224,597	5,130,179	5,428,661	3,789,826	3,538,343	2,615,979	Upgrade
Occupancy Expenses	1,097,182	996,502	893,168	761,762	106,560	81,947	Upgrade
Federal Deposit Insurance	436,884	285,163	162,094	140,737	-	-	Upgrade
Selling, General & Administrative	2,259,110	1,667,755	1,194,759	947,482	321,360	307,467	Upgrade
Other Non-Interest Expense	1,047,847	1,049,603	952,027	742,961	2,193,381	2,076,989	Upgrade
Total Non-Interest Expense	11,065,620	9,129,202	8,630,709	6,382,768	6,159,644	5,082,382	Upgrade
EBT Excluding Unusual Items	17,040,117	13,016,732	10,268,056	8,069,617	5,818,222	5,018,413	Upgrade
Pretax Income	17,040,117	13,016,732	10,268,056	8,069,617	5,818,222	5,018,413	Upgrade
Income Tax Expense	3,581,842	2,680,719	2,058,586	1,616,118	1,171,125	998,079	Upgrade
Earnings From Continuing Operations	13,458,275	10,336,013	8,209,470	6,453,499	4,647,097	4,020,334	Upgrade
Minority Interest in Earnings	-465,841	-265,115	-459,676	-399,980	-398,148	-415,568	Upgrade
Net Income	12,992,434	10,070,898	7,749,794	6,053,519	4,248,949	3,604,766	Upgrade
Preferred Dividends & Other Adjustments	-	-	10,000	10,000	10,000	10,000	Upgrade
Net Income to Common	12,992,434	10,070,898	7,739,794	6,043,519	4,238,949	3,594,766	Upgrade
Net Income Growth	53.52%	29.95%	28.02%	42.47%	17.87%	26.84%	Upgrade
Basic Shares Outstanding	3,467	3,471	3,454	3,471	3,436	3,469	Upgrade
Diluted Shares Outstanding	3,467	3,471	3,454	3,471	3,436	3,469	Upgrade
Shares Change (YoY)	-0.11%	0.50%	-0.49%	1.03%	-0.96%	-0.61%	Upgrade
EPS (Basic)	3747.76	2901.39	2240.85	1741.12	1233.85	1036.32	Upgrade
EPS (Diluted)	3747.76	2901.39	2240.85	1741.12	1233.85	1036.32	Upgrade
EPS Growth	53.87%	29.48%	28.70%	41.11%	19.06%	27.49%	Upgrade
Dividend Per Share	833.333	833.333	724.638	-	-	-	Upgrade
Dividend Growth	15.00%	15.00%	-	-	-	-	Upgrade
Effective Tax Rate	21.02%	20.59%	20.05%	20.03%	20.13%	19.89%	Upgrade

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