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	160,467,468	97,331,256	90,930,129	43,260,481	58,282,909
Investment Securities	77,961,205	49,609,067	45,236,070	51,183,207	65,637,256
Trading Asset Securities	490,537	21,955,775	18,691,011	1,797,822	11,198,067
Total Investments	78,451,742	71,564,842	63,927,081	52,981,029	76,835,323
Gross Loans	574,292,163	449,859,194	351,799,073	272,666,213	203,316,247
Allowance for Loan Losses	-7,302,006	-5,878,604	-4,054,457	-3,101,572	-2,452,068
Net Loans	566,990,157	443,980,590	347,744,616	269,564,641	200,864,179
Property, Plant & Equipment	973,157	887,455	713,141	631,621	663,478
Goodwill	-	-	-	4,799	10,562
Other Intangible Assets	887,279	878,472	709,618	683,436	702,847
Accrued Interest Receivable	6,221,116	5,383,522	6,602,101	4,403,501	3,256,425
Other Receivables	22,264,220	5,919,370	6,068,625	4,038,407	2,753,426
Restricted Cash	59,907,114	26,680,270	41,481,638	11,273,345	11,847,980
Other Current Assets	-	41,282,550	40,708,019	26,188,610	17,274,831
Long-Term Deferred Tax Assets	72,726	155,916	76,708	32,798	-
Other Real Estate Owned & Foreclosed	-	229,044	290,642	267,373	280,755
Other Long-Term Assets	34,866,302	3,073,171	3,062,541	2,942,982	1,838,856
Total Assets	931,101,281	697,366,458	602,314,859	416,273,023	374,611,571
Accounts Payable	-	687,059	431,057	804,793	-
Accrued Expenses	61,953	1,425,340	737,086	984,990	471,920
Interest Bearing Deposits	712,257,186	533,053,115	442,497,393	267,665,424	249,525,505
Non-Interest Bearing Deposits	2,837,873	3,870,096	9,006,181	8,351,390	22,316
Total Deposits	715,095,059	536,923,211	451,503,574	276,016,814	249,547,821
Short-Term Borrowings	2,710,540	4,342,381	17,560,491	24,898,692	32,075,748
Current Portion of Long-Term Debt	-	10,459	23,201	10,783,557	10,463
Current Income Taxes Payable	-	915,608	1,820,741	1,337,559	400,126
Accrued Interest Payable	9,306,729	8,013,166	10,346,499	5,052,933	4,383,088
Other Current Liabilities	-	4,767,678	4,226,268	1,892,674	819,505
Long-Term Debt	110,976,642	77,073,320	64,742,338	51,960,689	51,755,986
Long-Term Unearned Revenue	-	2,100,473	1,223,782	134,519	-
Long-Term Deferred Tax Liabilities	-	-	-	-	602
Other Long-Term Liabilities	14,685,754	4,450,502	3,299,500	3,410,917	4,356,199
Total Liabilities	852,836,677	640,709,197	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	24,138,174	19,138,309	15,148,008	11,400,263	7,999,648
Treasury Stock	-	-413,448	-413,448	-413,448	-413,448
Comprehensive Income & Other	83,401	128,863	122,022	127,338	112,600
Total Common Equity	75,549,212	54,491,103	44,468,859	36,953,538	29,033,441
Minority Interest	2,715,392	2,166,158	1,931,463	2,041,348	1,756,672
Shareholders' Equity	78,264,604	56,657,261	46,400,322	38,994,886	30,790,113
Total Liabilities & Equity	931,101,281	697,366,458	602,314,859	416,273,023	374,611,571
Total Debt	113,687,182	81,426,160	82,326,030	87,642,938	83,842,197
Net Cash (Debt)	47,270,823	37,860,871	27,295,110	-42,584,635	-14,361,221
Net Cash Growth	24.85%	38.71%	-	-	-
Net Cash Per Share	9901.87	8397.18	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	15093.91	12021.66	9878.42	8208.94	6514.30
Tangible Book Value	74,661,933	53,612,631	43,759,241	36,265,303	28,320,032
Tangible Book Value Per Share	14916.65	11827.85	9720.78	8056.06	6354.23

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