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	Sep '26 Sep 30, 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	88,326,613	67,992,416	57,995,528	52,640,577	33,323,404	26,176,210
Interest Paid on Deposits	51,047,110	33,246,226	27,138,452	30,456,603	15,311,836	12,285,433
Net Interest Income	37,279,503	34,746,190	30,857,076	22,183,974	18,011,568	13,890,777
Net Interest Income Growth	12.31%	12.60%	39.10%	23.16%	29.67%	16.75%
Income From Trading Activities	940,411	1,495,370	137,182	1,208,728	329,606	100,932
Gain (Loss) on Sale of Investments	-	-	-	-	-	477,213
Other Non-Interest Income	8,181,384	6,454,312	3,037,926	3,020,983	3,625,930	2,289,323
Total Non-Interest Income	9,121,795	7,949,682	3,175,108	4,229,711	3,955,536	2,867,468
Non-Interest Income Growth	37.89%	150.38%	-24.93%	6.93%	37.95%	53.46%
Revenues Before Loan Losses	46,401,298	42,695,872	34,032,184	26,413,685	21,967,104	16,758,245
Provision for Loan Losses	9,198,015	9,748,394	5,321,434	4,267,751	3,068,339	2,305,860
Revenue	37,203,283	32,947,478	28,710,750	22,145,934	18,898,765	14,452,385
Revenue Growth	23.12%	14.76%	29.64%	17.18%	30.77%	20.66%
Salaries and Employee Benefits	3,510,687	6,652,127	6,915,153	5,130,179	5,428,661	3,789,826
Occupancy Expenses	682,944	1,279,178	1,162,046	996,502	893,168	761,762
Federal Deposit Insurance	287,704	542,980	429,995	285,163	162,094	140,737
Selling, General & Administrative	-104,796	1,204,965	1,457,491	2,073,075	1,194,759	947,482
Other Non-Interest Expense	7,904,265	1,921,737	2,016,070	644,283	952,027	742,961
Total Non-Interest Expense	12,280,804	11,600,987	11,980,755	9,129,202	8,630,709	6,382,768
EBT Excluding Unusual Items	24,922,479	21,346,491	16,729,995	13,016,732	10,268,056	8,069,617
Pretax Income	24,922,479	21,346,491	16,729,995	13,016,732	10,268,056	8,069,617
Income Tax Expense	4,915,682	4,272,869	3,482,347	2,680,719	2,058,586	1,616,118
Earnings From Continuing Operations	20,006,797	17,073,622	13,247,648	10,336,013	8,209,470	6,453,499
Minority Interest in Earnings	-701,503	-549,234	-484,695	-265,115	-459,676	-399,980
Net Income	19,305,294	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	19,305,294	16,524,388	12,742,953	10,060,898	7,739,794	6,043,519
Net Income Growth	33.23%	29.68%	26.66%	29.99%	28.07%	42.57%
Basic Shares Outstanding	5,021	5,993	5,861	5,852	5,823	5,852
Diluted Shares Outstanding	5,021	6,265	6,587	5,852	5,823	5,852
Shares Change	-26.97%	-4.90%	12.57%	0.50%	-0.49%	1.03%
EPS (Basic)	3845.29	2757.29	2174.05	1719.19	1329.12	1032.71
EPS (Diluted)	3845.29	2662.52	1981.78	1719.19	1329.12	1032.71
EPS Growth	78.58%	34.35%	15.27%	29.35%	28.70%	41.11%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	-	-	-	494.275	429.805	-
Dividend Growth	-	-	-	15.00%	-	-
Effective Tax Rate	19.72%	20.02%	20.82%	20.59%	20.05%	20.03%