HOSE:HDB 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	Mar '26 Mar 31, 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	72,917,244	67,992,416	57,995,528	52,640,577	33,323,404	26,176,210
Interest Paid on Deposits	37,096,132	33,246,226	27,138,452	30,456,603	15,311,836	12,285,433
Net Interest Income	35,821,112	34,746,190	30,857,076	22,183,974	18,011,568	13,890,777
Net Interest Income Growth (YoY)	15.16%	12.60%	39.10%	23.16%	29.67%	16.75%
Income From Trading Activities	1,165,617	1,495,370	137,182	1,208,728	329,606	100,932
Gain (Loss) on Sale of Investments	-	-	-	-	-	477,213
Other Non-Interest Income	6,457,432	6,454,312	3,037,926	3,020,983	3,625,930	2,289,323
Total Non-Interest Income	7,623,049	7,949,682	3,175,108	4,229,711	3,955,536	2,867,468
Non-Interest Income Growth (YoY)	74.05%	150.38%	-24.93%	6.93%	37.95%	53.46%
Revenues Before Loan Losses	43,444,161	42,695,872	34,032,184	26,413,685	21,967,104	16,758,245
Provision for Loan Losses	9,682,092	9,748,394	5,321,434	4,267,751	3,068,339	2,305,860
Revenue	33,762,069	32,947,478	28,710,750	22,145,934	18,898,765	14,452,385
Revenue Growth (YoY)	12.13%	14.76%	29.64%	17.18%	30.77%	20.66%
Salaries and Employee Benefits	6,634,644	6,652,127	6,915,153	5,130,179	5,428,661	3,789,826
Occupancy Expenses	1,307,317	1,279,178	1,162,046	996,502	893,168	761,762
Federal Deposit Insurance	576,661	542,980	429,995	285,163	162,094	140,737
Selling, General & Administrative	1,222,854	1,204,965	1,457,491	2,073,075	1,194,759	947,482
Other Non-Interest Expense	1,922,003	1,921,737	2,016,070	644,283	952,027	742,961
Total Non-Interest Expense	11,663,479	11,600,987	11,980,755	9,129,202	8,630,709	6,382,768
EBT Excluding Unusual Items	22,098,590	21,346,491	16,729,995	13,016,732	10,268,056	8,069,617
Pretax Income	22,098,590	21,346,491	16,729,995	13,016,732	10,268,056	8,069,617
Income Tax Expense	4,480,500	4,272,869	3,482,347	2,680,719	2,058,586	1,616,118
Earnings From Continuing Operations	17,618,090	17,073,622	13,247,648	10,336,013	8,209,470	6,453,499
Minority Interest in Earnings	-561,814	-549,234	-484,695	-265,115	-459,676	-399,980
Net Income	17,056,276	16,524,388	12,762,953	10,070,898	7,749,794	6,053,519
Preferred Dividends & Other Adjustments	-	-	20,000	10,000	10,000	10,000
Net Income to Common	17,056,276	16,524,388	12,742,953	10,060,898	7,739,794	6,043,519
Net Income Growth	22.81%	29.47%	26.73%	29.95%	28.02%	42.47%
Basic Shares Outstanding	4,610	4,610	4,509	4,502	4,479	4,502
Diluted Shares Outstanding	4,746	4,819	5,067	4,502	4,479	4,502
Shares Change (YoY)	-10.79%	-4.90%	12.57%	0.50%	-0.49%	1.03%
EPS (Basic)	3699.58	3584.47	2826.26	2234.95	1727.85	1342.52
EPS (Diluted)	3626.82	3461.27	2576.31	2234.95	1727.85	1342.52
EPS Growth	36.07%	34.35%	15.27%	29.35%	28.70%	41.11%
Dividend Per Share	-	-	-	642.558	558.746	-
Dividend Growth	-	-	-	15.00%	-	-
Effective Tax Rate	20.28%	20.02%	20.82%	20.59%	20.05%	20.03%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.