HOSE:KLB Income Statement

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
Interest Income on Loans	8,397,136	7,111,246	7,779,429	5,376,251	5,449,139
Interest Paid on Deposits	4,629,566	3,920,020	5,741,323	3,284,730	3,518,179
Net Interest Income	3,767,570	3,191,226	2,038,106	2,091,521	1,930,960
Net Interest Income Growth (YoY)	18.06%	56.58%	-2.55%	8.31%	102.74%
Income From Trading Activities	63,241	-	-	-	-
Gain (Loss) on Sale of Investments	1,186	25,608	82,450	7,818	63,737
Gain (Loss) on Sale of Equity Investments	-	-	-	-	1,709
Other Non-Interest Income	1,395,287	739,747	661,848	513,940	322,457
Total Non-Interest Income	1,459,714	765,355	744,298	521,758	387,903
Non-Interest Income Growth (YoY)	90.72%	2.83%	42.65%	34.51%	34.29%
Revenues Before Loan Losses	5,227,284	3,956,581	2,782,404	2,613,279	2,318,863
Provision for Loan Losses	823,729	822,948	417,920	472,394	81,647
Revenue	4,403,555	3,133,633	2,364,484	2,140,885	2,237,216
Revenue Growth (YoY)	40.53%	32.53%	10.44%	-4.31%	79.89%
Selling, General & Administrative	181,507	154,037	-	-	-
Other Non-Interest Expense	1,899,352	1,867,538	1,645,837	1,459,022	1,227,211
Total Non-Interest Expense	2,080,859	2,021,575	1,645,837	1,459,022	1,227,211
EBT Excluding Unusual Items	2,322,696	1,112,058	718,647	681,863	1,010,005
Pretax Income	2,322,696	1,112,058	718,647	681,863	1,010,005
Income Tax Expense	466,518	224,564	144,663	137,342	239,732
Net Income	1,856,178	887,494	573,984	544,521	770,273
Net Income to Common	1,856,178	887,494	573,984	544,521	770,273
Net Income Growth	109.15%	54.62%	5.41%	-29.31%	509.79%
Basic Shares Outstanding	417	361	361	362	327
Diluted Shares Outstanding	417	361	361	362	327
Shares Change (YoY)	15.45%	-	-0.02%	10.69%	2.15%
EPS (Basic)	4447.66	2455.15	1587.86	1506.00	2358.00
EPS (Diluted)	4447.66	2455.15	1587.86	1506.00	2358.00
EPS Growth	81.16%	54.62%	5.44%	-36.13%	496.96%
Effective Tax Rate	20.09%	20.19%	20.13%	20.14%	23.74%

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