HOSE:LPB 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	39,291,632	34,137,034	32,353,651	25,225,644	20,925,551
Interest Paid on Deposits	23,257,395	18,743,291	21,150,522	13,325,675	11,908,392
Net Interest Income	16,034,237	15,393,743	11,203,129	11,899,969	9,017,159
Net Interest Income Growth (YoY)	4.16%	37.41%	-5.86%	31.97%	34.18%
Income From Trading Activities	27,440	43,021	30,208	-2,769	4,543
Gain (Loss) on Sale of Assets	18,275	118,655	16,163	8,816	12,768
Gain (Loss) on Sale of Investments	110,986	-1,462	-5,254	345,762	-1,384
Other Non-Interest Income	5,578,811	4,303,456	4,331,714	1,864,656	1,017,603
Total Non-Interest Income	5,735,512	4,463,670	4,372,831	2,216,465	1,033,530
Non-Interest Income Growth (YoY)	28.49%	2.08%	97.29%	114.46%	-1.63%
Revenues Before Loan Losses	21,769,749	19,857,413	15,575,960	14,116,434	10,050,689
Provision for Loan Losses	1,422,280	1,953,819	2,826,040	3,173,737	1,322,250
Revenue	20,347,469	17,903,594	12,749,920	10,942,697	8,728,439
Revenue Growth (YoY)	13.65%	40.42%	16.52%	25.37%	23.43%
Salaries and Employee Benefits	3,170,041	3,150,672	3,233,810	3,038,695	2,737,169
Occupancy Expenses	1,471,961	604,723	534,618	884,358	855,389
Federal Deposit Insurance	335,996	281,854	236,979	181,642	170,195
Amortization of Goodwill & Intangibles	-	-	-	-	34,342
Selling, General & Administrative	1,083,042	1,622,705	1,586,216	1,072,013	1,179,131
Other Non-Interest Expense	129,085	150,489	168,249	130,185	114,195
Total Non-Interest Expense	6,078,581	5,735,426	5,710,527	5,253,016	5,090,421
EBT Excluding Unusual Items	14,268,888	12,168,168	7,039,393	5,689,681	3,638,018
Pretax Income	14,268,888	12,168,168	7,039,393	5,689,681	3,638,018
Income Tax Expense	2,846,509	2,447,268	1,467,147	1,179,428	764,770
Net Income	11,422,379	9,720,900	5,572,246	4,510,253	2,873,248
Preferred Dividends & Other Adjustments	-	-	500,000	510,000	303,097
Net Income to Common	11,422,379	9,720,900	5,072,246	4,000,253	2,570,151
Net Income Growth	17.50%	74.45%	23.55%	56.97%	54.32%
Basic Shares Outstanding	2,987	2,987	2,569	2,310	2,164
Diluted Shares Outstanding	2,987	2,987	2,569	2,310	2,164
Shares Change (YoY)	-	16.26%	11.22%	6.79%	12.46%
EPS (Basic)	3823.67	3254.10	1974.04	1731.45	1187.95
EPS (Diluted)	3823.67	3254.10	1974.04	1731.45	1187.95
EPS Growth	17.50%	64.84%	14.01%	45.75%	38.35%
Dividend Per Share	-	2500.000	-	-	-
Effective Tax Rate	19.95%	20.11%	20.84%	20.73%	21.02%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.