HOSE:KLB 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	16,766,939	16,043,014	19,034,097	24,520,451	30,919,132
Investment Securities	3,013,321	2,973,962	3,378,950	7,584,875	7,087,660
Trading Asset Securities	224,532	-	-	182,883	6,036
Total Investments	3,237,853	2,973,962	3,378,950	7,767,758	7,093,696
Gross Loans	72,404,808	62,530,276	51,783,052	44,702,595	38,387,339
Allowance for Loan Losses	-1,174,210	-980,347	-623,233	-579,859	-366,816
Net Loans	71,230,598	61,549,929	51,159,819	44,122,736	38,020,523
Property, Plant & Equipment	619,419	634,237	611,096	653,439	692,501
Other Intangible Assets	770,373	791,869	740,907	725,169	710,767
Accrued Interest Receivable	1,806,299	1,393,393	1,437,931	1,097,493	655,388
Other Receivables	2,320,098	4,006,199	4,024,684	5,087,277	649,496
Restricted Cash	5,803,001	4,207,486	6,134,683	1,347,927	4,755,046
Other Current Assets	89,637	75,801	-	-	-
Long-Term Deferred Tax Assets	-	-	120	-	-
Other Long-Term Assets	658,472	500,378	450,315	437,931	325,939
Total Assets	103,302,689	92,176,268	86,972,602	85,760,181	83,822,488
Accrued Expenses	440,676	318,850	47,899	-	-
Interest Bearing Deposits	72,018,619	63,529,756	59,748,385	56,219,223	51,455,927
Non-Interest Bearing Deposits	15,867,227	15,117,285	15,268,267	19,623,547	25,772,472
Total Deposits	87,885,846	78,647,041	75,016,652	75,842,770	77,228,399
Short-Term Borrowings	-	112,476	25,404	-	-
Current Portion of Long-Term Debt	-	-	230,800	-	-
Current Income Taxes Payable	218,774	99,207	41,029	-	-
Accrued Interest Payable	1,388,819	1,002,054	1,607,566	1,087,458	1,027,911
Other Current Liabilities	25,642	14,720	7,347	-	-
Long-Term Debt	3,475,125	3,928,457	3,228,291	2,451,824	300,000
Long-Term Deferred Tax Liabilities	-	1	-	-	-
Other Long-Term Liabilities	1,451,304	1,448,510	1,010,056	1,194,555	586,761
Total Liabilities	94,886,186	85,571,316	81,215,044	80,576,607	79,143,071
Common Stock	5,821,705	3,652,819	3,652,819	3,652,819	3,652,819
Retained Earnings	1,877,660	2,412,495	1,651,199	1,158,893	770,277
Treasury Stock	-34,200	-34,200	-34,200	-34,200	-34,200
Comprehensive Income & Other	751,338	573,838	487,740	406,062	290,521
Shareholders' Equity	8,416,503	6,604,952	5,757,558	5,183,574	4,679,417
Total Liabilities & Equity	103,302,689	92,176,268	86,972,602	85,760,181	83,822,488
Total Debt	3,475,125	4,040,933	3,484,495	2,451,824	300,000
Net Cash (Debt)	13,516,346	12,002,081	15,549,602	22,251,510	30,625,168
Net Cash Growth	12.62%	-22.81%	-30.12%	-27.34%	160.24%
Net Cash Per Share	32387.04	33202.44	43016.27	61541.75	93751.37
Filing Date Shares Outstanding	578.37	361.48	361.48	361.91	326.66
Total Common Shares Outstanding	578.37	361.48	361.48	361.91	326.66
Book Value Per Share	14552.10	18271.88	15927.65	14322.89	14324.88
Tangible Book Value	7,646,130	5,813,083	5,016,651	4,458,405	3,968,650
Tangible Book Value Per Share	13220.12	16081.26	13878.02	12319.15	12149.04

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