HOSE:KLB Ratios and Metrics

Market cap in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 21, 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
Debt / Equity Ratio	0.40	0.41	0.61	0.61	0.47	0.06
Debt / FCF Ratio	-	-	-	27.67	-	-
Net Debt / Equity Ratio	-2.05	-1.61	-1.82	-2.70	-4.29	-6.54
Net Debt / FCF Ratio	5.41	1.95	1.42	-123.48	2.64	4.64
Return on Equity (ROE)	25.44%	24.71%	14.36%	10.49%	11.04%	17.92%
Return on Assets (ROA)	1.93%	1.90%	0.99%	0.66%	0.64%	1.09%
Buyback Yield / Dilution	-30.45%	-15.45%	-	0.02%	-10.69%	-2.15%

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