Ho Chi Minh City Development Joint Stock Commercial Bank (HOSE:HDB)

HOSE:HDB Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	97,331,256	90,930,129	43,260,481	58,282,909	46,968,189
Investment Securities	49,608,828	45,236,070	51,183,207	65,637,256	58,390,442
Trading Asset Securities	21,955,775	18,691,011	1,797,822	11,198,067	12,478,102
Total Investments	71,564,603	63,927,081	52,981,029	76,835,323	70,868,544
Gross Loans	449,859,194	351,799,073	272,666,213	203,316,247	178,423,092
Allowance for Loan Losses	-5,878,604	-4,054,457	-3,101,572	-2,452,068	-1,935,436
Net Loans	443,980,590	347,744,616	269,564,641	200,864,179	176,487,656
Property, Plant & Equipment	887,455	713,141	631,621	663,478	601,398
Goodwill	-	-	4,799	10,562	16,325
Other Intangible Assets	878,472	709,618	683,436	702,847	458,030
Investments in Real Estate	-	-	-	-	20,860
Accrued Interest Receivable	5,304,263	6,602,101	4,403,501	3,256,425	3,090,539
Other Receivables	48,346,639	6,218,419	4,038,407	2,753,426	3,992,474
Restricted Cash	26,680,270	41,481,638	11,273,345	11,847,980	7,788,112
Other Current Assets	-	40,683,804	26,188,610	17,274,831	7,113,162
Long-Term Deferred Tax Assets	72,470	76,708	32,798	-	-
Other Real Estate Owned & Foreclosed	-	290,642	267,373	280,755	269,059
Other Long-Term Assets	2,234,788	2,936,962	2,942,982	1,838,856	1,453,132
Total Assets	697,280,806	602,314,859	416,273,023	374,611,571	319,127,480
Accounts Payable	-	293,439	804,793	-	222,309
Accrued Expenses	-	810,807	984,990	471,920	553,543
Interest Bearing Deposits	508,512,115	442,497,393	267,665,424	249,525,505	223,518,390
Non-Interest Bearing Deposits	3,870,096	9,006,181	8,351,390	22,316	28,347
Total Deposits	512,382,211	451,503,574	276,016,814	249,547,821	223,546,737
Short-Term Borrowings	4,342,381	17,560,491	24,898,692	32,075,748	25,322,827
Current Portion of Long-Term Debt	-	9,700	10,783,557	10,463	-
Current Income Taxes Payable	-	1,820,741	1,337,559	400,126	269,632
Accrued Interest Payable	8,013,166	10,346,499	5,052,933	4,383,088	4,435,108
Other Current Liabilities	-	4,233,768	1,892,674	819,505	537,678
Long-Term Debt	101,624,780	64,755,839	51,960,689	51,755,986	35,616,489
Long-Term Unearned Revenue	-	1,223,782	134,519	-	207,273
Long-Term Deferred Tax Liabilities	-	-	-	602	4,664
Other Long-Term Liabilities	14,260,767	3,355,897	3,410,917	4,356,199	3,707,172
Total Liabilities	640,623,305	555,914,537	377,278,137	343,821,458	294,423,432
Common Stock	35,101,423	29,076,321	25,303,429	20,072,906	16,088,488
Additional Paid-In Capital	535,956	535,956	535,956	1,261,735	535,956
Retained Earnings	12,954,121	15,148,008	11,400,263	7,999,648	6,786,271
Treasury Stock	-413,448	-413,448	-413,448	-413,448	-413,448
Comprehensive Income & Other	6,313,291	122,022	127,338	112,600	89
Total Common Equity	54,491,343	44,468,859	36,953,538	29,033,441	22,997,356
Minority Interest	2,166,158	1,931,463	2,041,348	1,756,672	1,706,692
Shareholders' Equity	56,657,501	46,400,322	38,994,886	30,790,113	24,704,048
Total Liabilities & Equity	697,280,806	602,314,859	416,273,023	374,611,571	319,127,480
Total Debt	105,967,161	82,326,030	87,642,938	83,842,197	60,939,316
Net Cash (Debt)	13,319,870	27,295,110	-42,584,635	-14,361,221	-1,493,025
Net Cash Growth	-51.20%	-	-	-	-
Net Cash Per Share	3831.11	7863.62	-12329.25	-4137.42	-434.58
Filing Date Shares Outstanding	3,477	3,471	3,471	3,437	3,437
Total Common Shares Outstanding	3,477	3,471	3,471	3,437	3,437
Book Value Per Share	15673.02	12811.32	10646.18	8448.40	6691.97
Tangible Book Value	53,612,871	43,759,241	36,265,303	28,320,032	22,523,001
Tangible Book Value Per Share	15420.35	12606.88	10447.90	8240.81	6553.94

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