HOSE:HDB Balance Sheet

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Cash & Equivalents	160,439,300	97,304,166	90,930,129	43,260,481	58,282,909
Investment Securities	102,548,702	50,752,091	45,236,070	51,183,207	65,637,256
Trading Asset Securities	728,341	21,992,748	18,691,011	1,797,822	11,198,067
Total Investments	103,277,043	72,744,839	63,927,081	52,981,029	76,835,323
Gross Loans	555,822,273	436,747,074	351,799,073	272,666,213	203,316,247
Allowance for Loan Losses	-6,424,237	-5,187,803	-4,054,457	-3,101,572	-2,452,068
Net Loans	549,398,036	431,559,271	347,744,616	269,564,641	200,864,179
Property, Plant & Equipment	954,176	861,092	713,141	631,621	663,478
Goodwill	-	-	-	4,799	10,562
Other Intangible Assets	885,394	875,606	709,618	683,436	702,847
Accrued Interest Receivable	5,988,179	5,270,744	6,602,101	4,403,501	3,256,425
Other Receivables	22,112,316	46,138,097	6,068,625	4,038,407	2,753,426
Restricted Cash	59,678,820	26,502,360	41,481,638	11,273,345	11,847,980
Other Current Assets	-	-	40,708,019	26,188,610	17,274,831
Long-Term Deferred Tax Assets	33,912	155,916	76,708	32,798	-
Other Real Estate Owned & Foreclosed	-	-	290,642	267,373	280,755
Other Long-Term Assets	10,473,799	3,563,477	3,062,541	2,942,982	1,838,856
Total Assets	913,240,975	684,975,568	602,314,859	416,273,023	374,611,571
Accounts Payable	10,609,586	10,355,621	431,057	804,793	-
Accrued Expenses	61,953	46,763	737,086	984,990	471,920
Interest Bearing Deposits	705,262,354	527,813,116	442,497,393	267,665,424	249,525,505
Non-Interest Bearing Deposits	3,152,185	4,053,803	9,006,181	8,351,390	22,316
Total Deposits	708,414,539	531,866,919	451,503,574	276,016,814	249,547,821
Short-Term Borrowings	15,150,142	6,162,375	17,560,491	24,898,692	32,075,748
Current Portion of Long-Term Debt	-	-	23,201	10,783,557	10,463
Current Income Taxes Payable	-	-	1,820,741	1,337,559	400,126
Accrued Interest Payable	9,104,200	7,868,597	10,346,499	5,052,933	4,383,088
Other Current Liabilities	-	-	4,226,268	1,892,674	819,505
Long-Term Debt	96,225,662	75,207,323	64,742,338	51,960,689	51,755,986
Long-Term Unearned Revenue	-	-	1,223,782	134,519	-
Long-Term Deferred Tax Liabilities	-	-	-	-	602
Other Long-Term Liabilities	-	-	3,299,500	3,410,917	4,356,199
Total Liabilities	839,566,082	631,507,598	555,914,537	377,278,137	343,821,458
Common Stock	50,052,763	35,101,423	29,076,321	25,303,429	20,072,906
Additional Paid-In Capital	1,274,874	535,956	535,956	535,956	1,261,735
Retained Earnings	22,263,850	18,115,171	15,148,008	11,400,263	7,999,648
Treasury Stock	-	-413,448	-413,448	-413,448	-413,448
Comprehensive Income & Other	83,406	128,868	122,022	127,338	112,600
Total Common Equity	73,674,893	53,467,970	44,468,859	36,953,538	29,033,441
Minority Interest	-	-	1,931,463	2,041,348	1,756,672
Shareholders' Equity	73,674,893	53,467,970	46,400,322	38,994,886	30,790,113
Total Liabilities & Equity	913,240,975	684,975,568	602,314,859	416,273,023	374,611,571
Total Debt	111,375,804	81,369,698	82,326,030	87,642,938	83,842,197
Net Cash (Debt)	49,791,837	37,927,216	27,295,110	-42,584,635	-14,361,221
Net Cash Growth	31.28%	38.95%	-	-	-
Net Cash Per Share	10429.95	8411.89	6063.40	-9506.71	-3190.23
Filing Date Shares Outstanding	5,005	4,533	4,502	4,502	4,457
Total Common Shares Outstanding	5,005	4,533	4,502	4,502	4,457
Book Value Per Share	14719.45	11795.94	9878.42	8208.94	6514.30
Tangible Book Value	72,789,499	52,592,364	43,759,241	36,265,303	28,320,032
Tangible Book Value Per Share	14542.55	11602.76	9720.78	8056.06	6354.23

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