Fortune Vietnam Joint Stock Commercial Bank (HOSE:LPB)

HOSE:LPB Income Statement

Financials in millions VND. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	37,554,826	34,137,034	32,353,651	25,225,644	20,925,551	17,869,155
Interest Paid on Deposits	21,795,298	18,743,291	21,150,522	13,325,675	11,908,392	11,148,984
Net Interest Income	15,759,528	15,393,743	11,203,129	11,899,969	9,017,159	6,720,171
Net Interest Income Growth (YoY)	40.67%	37.41%	-5.86%	31.97%	34.18%	10.88%
Income From Trading Activities	36,000	43,021	30,208	-2,769	4,543	33,650
Gain (Loss) on Sale of Assets	111,461	118,655	16,163	8,816	12,768	9,606
Gain (Loss) on Sale of Investments	-7,543	-1,462	-5,254	345,762	-1,384	137,734
Other Non-Interest Income	4,516,527	4,303,456	4,331,714	1,864,656	1,017,603	869,650
Total Non-Interest Income	4,656,445	4,463,670	4,372,831	2,216,465	1,033,530	1,050,640
Non-Interest Income Growth (YoY)	6.49%	2.08%	97.29%	114.46%	-1.63%	135.86%
Revenues Before Loan Losses	20,415,973	19,857,413	15,575,960	14,116,434	10,050,689	7,770,811
Provision for Loan Losses	1,639,293	1,953,819	2,826,040	3,173,737	1,322,250	699,386
Revenue	18,776,680	17,903,594	12,749,920	10,942,697	8,728,439	7,071,425
Revenue Growth (YoY)	47.27%	40.42%	16.52%	25.37%	23.43%	16.48%
Salaries and Employee Benefits	3,193,668	3,150,672	3,233,810	3,038,695	2,737,169	2,239,354
Occupancy Expenses	659,415	604,723	534,618	884,358	855,389	810,693
Federal Deposit Insurance	318,989	281,854	236,979	181,642	170,195	145,930
Amortization of Goodwill & Intangibles	-	-	-	-	34,342	69,443
Selling, General & Administrative	1,568,184	1,622,705	1,586,216	1,072,013	1,179,131	1,268,976
Other Non-Interest Expense	135,357	150,489	168,249	130,185	114,195	110,751
Total Non-Interest Expense	5,815,069	5,735,426	5,710,527	5,253,016	5,090,421	4,644,872
EBT Excluding Unusual Items	12,961,611	12,168,168	7,039,393	5,689,681	3,638,018	2,426,553
Pretax Income	12,961,611	12,168,168	7,039,393	5,689,681	3,638,018	2,426,553
Income Tax Expense	2,600,004	2,447,268	1,467,147	1,179,428	764,770	564,645
Net Income	10,361,607	9,720,900	5,572,246	4,510,253	2,873,248	1,861,908
Preferred Dividends & Other Adjustments	-	-	500,000	510,000	303,097	209,982
Net Income to Common	10,361,607	9,720,900	5,072,246	4,000,253	2,570,151	1,651,926
Net Income Growth	85.95%	74.45%	23.55%	56.97%	54.32%	16.35%
Basic Shares Outstanding	2,987	2,987	2,569	2,310	1,924	1,924
Diluted Shares Outstanding	2,987	2,987	2,569	2,310	1,924	1,924
Shares Change (YoY)	16.26%	16.26%	11.22%	20.09%	-	2.26%
EPS (Basic)	3468.57	3254.10	1974.04	1731.45	1335.96	858.67
EPS (Diluted)	3468.57	3254.10	1974.04	1731.45	1335.96	858.67
EPS Growth	75.71%	64.84%	14.01%	29.60%	55.58%	17.71%
Dividend Per Share	2500.000	2500.000	-	-	-	-
Effective Tax Rate	20.06%	20.11%	20.84%	20.73%	21.02%	23.27%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.