HOSE:KLB 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	Jun '26 Jun 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	9,179,099	8,397,136	7,111,246	7,779,429	5,376,251	5,449,139
Interest Paid on Deposits	5,218,005	4,629,566	3,920,020	5,741,323	3,284,730	3,518,179
Net Interest Income	3,961,094	3,767,570	3,191,226	2,038,106	2,091,521	1,930,960
Net Interest Income Growth	16.77%	18.06%	56.58%	-2.55%	8.31%	102.74%
Income From Trading Activities	110,079	63,241	-	-	-	-
Gain (Loss) on Sale of Investments	-9,443	1,186	25,608	82,450	7,818	63,737
Gain (Loss) on Sale of Equity Investments	-	-	-	-	-	1,709
Other Non-Interest Income	1,263,042	1,395,287	739,747	661,848	513,940	322,457
Total Non-Interest Income	1,363,678	1,459,714	765,355	744,298	521,758	387,903
Non-Interest Income Growth	32.01%	90.72%	2.83%	42.65%	34.51%	34.29%
Revenues Before Loan Losses	5,324,772	5,227,284	3,956,581	2,782,404	2,613,279	2,318,863
Provision for Loan Losses	646,830	823,729	822,948	417,920	472,394	81,647
Revenue	4,677,942	4,403,555	3,133,633	2,364,484	2,140,885	2,237,216
Revenue Growth	36.37%	40.53%	32.53%	10.44%	-4.31%	79.89%
Selling, General & Administrative	199,719	181,507	154,037	-	-	-
Other Non-Interest Expense	1,907,979	1,899,352	1,867,538	1,645,837	1,459,022	1,227,211
Total Non-Interest Expense	2,100,793	2,080,859	2,021,575	1,645,837	1,459,022	1,227,211
EBT Excluding Unusual Items	2,577,149	2,322,696	1,112,058	718,647	681,863	1,010,005
Pretax Income	2,577,149	2,322,696	1,112,058	718,647	681,863	1,010,005
Income Tax Expense	517,649	466,518	224,564	144,663	137,342	239,732
Net Income	2,059,500	1,856,178	887,494	573,984	544,521	770,273
Net Income to Common	2,059,500	1,856,178	887,494	573,984	544,521	770,273
Net Income Growth	73.99%	109.15%	54.62%	5.41%	-29.31%	509.79%
Basic Shares Outstanding	681	540	468	468	468	423
Diluted Shares Outstanding	681	540	468	468	468	423
Shares Change	45.45%	15.45%	-	-0.02%	10.69%	2.15%
EPS (Basic)	3024.73	3434.49	1895.87	1226.15	1162.93	1820.85
EPS (Diluted)	3024.73	3434.49	1895.87	1226.15	1162.93	1820.85
EPS Growth	19.62%	81.16%	54.62%	5.44%	-36.13%	496.96%
Effective Tax Rate	20.09%	20.09%	20.19%	20.13%	20.14%	23.74%