Military Commercial Joint Stock Bank (HOSE:MBB)

HOSE:MBB 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	81,407,411	69,061,893	69,143,043	52,485,812	38,464,932	32,767,393
Interest Paid on Deposits	33,210,408	27,909,674	30,459,195	16,462,690	12,265,378	12,489,598
Net Interest Income	48,197,003	41,152,219	38,683,848	36,023,122	26,199,554	20,277,795
Net Interest Income Growth (YoY)	23.04%	6.38%	7.39%	37.49%	29.20%	12.65%
Income From Trading Activities	3,886,384	4,559,127	841,970	1,456,376	1,666,949	950,955
Other Non-Interest Income	11,491,331	9,701,876	7,780,244	8,113,127	9,067,995	6,133,423
Total Non-Interest Income	15,377,715	14,261,003	8,622,214	9,569,503	10,734,944	7,084,378
Non-Interest Income Growth (YoY)	42.49%	65.40%	-9.90%	-10.86%	51.53%	6.53%
Revenues Before Loan Losses	63,574,718	55,413,222	47,306,062	45,592,625	36,934,498	27,362,173
Provision for Loan Losses	14,797,975	9,576,644	6,087,032	8,047,677	8,030,051	6,118,440
Revenue	48,776,743	45,836,578	41,219,030	37,544,948	28,904,447	21,243,733
Revenue Growth (YoY)	16.06%	11.20%	9.79%	29.89%	36.06%	7.51%
Salaries and Employee Benefits	11,057,564	9,381,603	7,996,974	8,154,390	6,710,310	5,998,888
Occupancy Expenses	2,959,570	3,156,134	2,843,585	2,568,050	2,186,760	1,603,540
Federal Deposit Insurance	676,728	578,974	447,967	344,512	245,158	185,965
Selling, General & Administrative	3,745,412	3,646,928	3,407,151	3,578,053	3,099,453	2,670,161
Other Non-Interest Expense	258,975	243,611	217,264	170,623	135,507	96,903
Total Non-Interest Expense	18,698,249	17,007,250	14,912,941	14,815,628	12,377,188	10,555,457
EBT Excluding Unusual Items	30,078,494	28,829,328	26,306,089	22,729,320	16,527,259	10,688,276
Pretax Income	31,232,356	28,829,328	26,306,089	22,729,320	16,527,259	10,688,276
Income Tax Expense	6,370,708	5,878,064	5,252,297	4,574,135	3,305,822	2,082,237
Earnings From Continuing Operations	24,861,648	22,951,264	21,053,792	18,155,185	13,221,437	8,606,039
Minority Interest in Earnings	-561,125	-317,507	-377,004	-672,450	-524,362	-343,380
Net Income	24,300,523	22,633,757	20,676,788	17,482,735	12,697,075	8,262,659
Preferred Dividends & Other Adjustments	-1,819,686	-	1,663,858	1,395,150	864,533	600,265
Net Income to Common	26,120,209	22,633,757	19,012,930	16,087,585	11,832,542	7,662,394
Net Income Growth	13.89%	9.46%	18.27%	37.69%	53.67%	5.62%
Basic Shares Outstanding	8,074	8,023	7,933	7,915	7,912	7,807
Diluted Shares Outstanding	8,074	8,023	7,933	7,915	7,912	7,807
Shares Change (YoY)	1.10%	1.13%	0.23%	0.03%	1.35%	3.75%
EPS (Basic)	3234.98	2821.18	2396.62	2032.55	1495.43	981.49
EPS (Diluted)	3234.98	2821.18	2396.62	2032.55	1495.43	981.49
EPS Growth	32.59%	17.71%	17.91%	35.92%	52.36%	0.64%
Dividend Per Share	227.273	227.273	329.381	286.418	-	-
Dividend Growth	-31.00%	-31.00%	15.00%	-	-	-
Effective Tax Rate	20.40%	20.39%	19.97%	20.12%	20.00%	19.48%

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