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	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	96,506,509	90,930,129	43,260,481	58,282,909	46,968,189	25,859,440
Investment Securities	35,422,398	45,236,070	51,183,207	65,637,256	58,390,442	36,208,715
Trading Asset Securities	15,274,541	18,691,011	1,797,822	11,198,067	12,478,102	4,643,488
Total Investments	50,696,939	63,927,081	52,981,029	76,835,323	70,868,544	40,852,203
Gross Loans	404,001,670	351,799,073	272,666,213	203,316,247	178,423,092	147,134,378
Allowance for Loan Losses	-4,984,751	-4,054,457	-3,101,572	-2,452,068	-1,935,436	-1,624,742
Net Loans	399,016,919	347,744,616	269,564,641	200,864,179	176,487,656	145,509,636
Property, Plant & Equipment	811,751	713,141	631,621	663,478	601,398	532,148
Goodwill	-	-	4,799	10,562	16,325	22,088
Other Intangible Assets	857,555	709,618	683,436	702,847	458,030	371,414
Investments in Real Estate	-	-	-	-	20,860	44,098
Accrued Interest Receivable	6,496,509	6,602,101	4,403,501	3,256,425	3,090,539	3,157,978
Other Receivables	43,608,103	6,218,419	4,038,407	2,753,426	3,992,474	1,503,374
Restricted Cash	29,410,506	41,481,638	11,273,345	11,847,980	7,788,112	4,503,540
Other Current Assets	-	40,683,804	26,188,610	17,274,831	7,113,162	4,027,383
Long-Term Deferred Tax Assets	77,851	76,708	32,798	-	-	2,413
Other Real Estate Owned & Foreclosed	-	290,642	267,373	280,755	269,059	220,913
Other Long-Term Assets	2,086,470	2,936,962	2,942,982	1,838,856	1,453,132	2,870,634
Total Assets	629,569,112	602,314,859	416,273,023	374,611,571	319,127,480	229,477,262
Accounts Payable	-	293,439	804,793	-	222,309	196,953
Accrued Expenses	46,855	810,807	984,990	471,920	553,543	380,739
Interest Bearing Deposits	488,886,761	442,497,393	267,665,424	249,525,505	223,518,390	146,620,209
Non-Interest Bearing Deposits	5,689,527	9,006,181	8,351,390	22,316	28,347	12,200,121
Total Deposits	494,576,288	451,503,574	276,016,814	249,547,821	223,546,737	158,820,330
Short-Term Borrowings	10,889,302	17,560,491	24,898,692	32,075,748	25,322,827	14,873,644
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	335,611
Accrued Interest Payable	7,459,227	10,346,499	5,052,933	4,383,088	4,435,108	3,249,358
Other Current Liabilities	-	4,233,768	1,892,674	819,505	537,678	98,540
Long-Term Debt	51,354,927	64,755,839	51,960,689	51,755,986	35,616,489	27,354,595
Long-Term Unearned Revenue	-	1,223,782	134,519	-	207,273	115,534
Long-Term Deferred Tax Liabilities	-	-	-	602	4,664	-
Other Long-Term Liabilities	11,658,538	3,355,897	3,410,917	4,356,199	3,707,172	3,670,842
Total Liabilities	575,985,137	555,914,537	377,278,137	343,821,458	294,423,432	209,096,146
Common Stock	29,076,321	29,076,321	25,303,429	20,072,906	16,088,488	9,810,000
Additional Paid-In Capital	535,956	535,956	535,956	1,261,735	535,956	2,042,255
Retained Earnings	21,992,717	15,148,008	11,400,263	7,999,648	6,786,271	7,379,157
Treasury Stock	-413,448	-413,448	-413,448	-413,448	-413,448	-158,929
Comprehensive Income & Other	98,845	122,022	127,338	112,600	89	89
Total Common Equity	51,290,391	44,468,859	36,953,538	29,033,441	22,997,356	19,072,572
Minority Interest	2,293,584	1,931,463	2,041,348	1,756,672	1,706,692	1,308,544
Shareholders' Equity	53,583,975	46,400,322	38,994,886	30,790,113	24,704,048	20,381,116
Total Liabilities & Equity	629,569,112	602,314,859	416,273,023	374,611,571	319,127,480	229,477,262
Total Debt	62,244,229	82,326,030	87,642,938	83,842,197	60,939,316	42,228,239
Net Cash (Debt)	49,536,821	27,295,110	-42,584,635	-14,361,221	-1,493,025	-11,725,311
Net Cash Per Share	14289.25	7863.62	-12329.25	-4137.42	-434.58	-3380.23
Filing Date Shares Outstanding	3,471	3,471	3,471	3,437	3,437	3,469
Total Common Shares Outstanding	3,471	3,471	3,471	3,437	3,437	3,469
Book Value Per Share	14776.58	12811.32	10646.18	8448.40	6691.97	5497.66
Tangible Book Value	50,432,836	43,759,241	36,265,303	28,320,032	22,523,001	18,679,070
Tangible Book Value Per Share	14529.52	12606.88	10447.90	8240.81	6553.94	5384.23

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