HOSE:LPB 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	Sep '26 Sep 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	47,808,769	39,291,632	34,137,034	32,353,651	25,225,644	20,925,551
Interest Paid on Deposits	31,338,141	23,257,395	18,743,291	21,150,522	13,325,675	11,908,392
Net Interest Income	16,470,628	16,034,237	15,393,743	11,203,129	11,899,969	9,017,159
Net Interest Income Growth	4.51%	4.16%	37.41%	-5.86%	31.97%	34.18%
Income From Trading Activities	34,244	27,440	43,021	30,208	-2,769	4,543
Gain (Loss) on Sale of Assets	27,121	18,275	118,655	16,163	8,816	12,768
Gain (Loss) on Sale of Investments	217,193	110,986	-1,462	-5,254	345,762	-1,384
Other Non-Interest Income	9,275,208	5,578,811	4,303,456	4,331,714	1,864,656	1,017,603
Total Non-Interest Income	9,553,766	5,735,512	4,463,670	4,372,831	2,216,465	1,033,530
Non-Interest Income Growth	105.81%	28.49%	2.08%	97.29%	114.46%	-1.63%
Revenues Before Loan Losses	26,024,394	21,769,749	19,857,413	15,575,960	14,116,434	10,050,689
Provision for Loan Losses	3,756,068	1,422,280	1,953,819	2,826,040	3,173,737	1,322,250
Revenue	22,268,326	20,347,469	17,903,594	12,749,920	10,942,697	8,728,439
Revenue Growth	18.69%	13.65%	40.42%	16.52%	25.37%	23.43%
Salaries and Employee Benefits	3,757,622	3,170,041	3,150,673	3,233,810	3,038,695	2,737,169
Occupancy Expenses	1,530,929	1,471,961	1,173,004	534,618	884,358	855,389
Federal Deposit Insurance	48,725	-	-	236,979	181,642	170,195
Amortization of Goodwill & Intangibles	-	-	-	-	-	34,342
Selling, General & Administrative	885,483	761,240	568,282	1,586,216	1,072,013	1,179,131
Other Non-Interest Expense	1,079,128	786,883	918,484	168,249	130,185	114,195
Total Non-Interest Expense	7,190,343	6,078,581	5,735,426	5,710,527	5,253,016	5,090,421
EBT Excluding Unusual Items	15,077,983	14,268,888	12,168,168	7,039,393	5,689,681	3,638,018
Pretax Income	15,077,983	14,268,888	12,168,168	7,039,393	5,689,681	3,638,018
Income Tax Expense	2,985,997	2,846,509	2,447,268	1,467,147	1,179,428	764,770
Net Income	12,091,986	11,422,379	9,720,900	5,572,246	4,510,253	2,873,248
Preferred Dividends & Other Adjustments	-	-	100,000	500,000	510,000	303,097
Net Income to Common	12,091,986	11,422,379	9,620,900	5,072,246	4,000,253	2,570,151
Net Income Growth	17.84%	18.73%	89.68%	26.80%	55.64%	55.58%
Basic Shares Outstanding	2,987	2,987	2,987	2,569	2,310	2,164
Diluted Shares Outstanding	2,987	2,987	2,987	2,569	2,310	2,164
Shares Change	-	-	16.26%	11.22%	6.79%	12.46%
EPS (Basic)	4047.82	3823.67	3220.62	1974.04	1731.45	1187.95
EPS (Diluted)	4047.82	3823.67	3220.62	1974.04	1731.45	1187.95
EPS Growth	17.84%	18.73%	63.15%	14.01%	45.75%	38.35%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Dividend Per Share	-	-	2500.000	-	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	19.80%	19.95%	20.11%	20.84%	20.73%	21.02%