HOSE:MBB 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	89,088,116	69,061,893	69,143,043	52,485,812	38,464,932
Interest Paid on Deposits	37,477,999	27,909,674	30,459,195	16,462,690	12,265,378
Net Interest Income	51,610,117	41,152,219	38,683,848	36,023,122	26,199,554
Net Interest Income Growth (YoY)	25.41%	6.38%	7.39%	37.49%	29.20%
Income From Trading Activities	668,384	4,559,127	841,970	1,456,376	1,666,949
Gain (Loss) on Sale of Investments	1,590,093	-	-	-	-
Other Non-Interest Income	13,824,421	9,701,876	7,780,244	8,113,127	9,067,995
Total Non-Interest Income	16,082,898	14,261,003	8,622,214	9,569,503	10,734,944
Non-Interest Income Growth (YoY)	12.78%	65.40%	-9.90%	-10.86%	51.53%
Revenues Before Loan Losses	67,693,015	55,413,222	47,306,062	45,592,625	36,934,498
Provision for Loan Losses	13,743,504	9,576,644	6,087,032	8,047,677	8,030,051
Revenue	53,949,511	45,836,578	41,219,030	37,544,948	28,904,447
Revenue Growth (YoY)	17.70%	11.20%	9.79%	29.89%	36.06%
Salaries and Employee Benefits	11,212,709	9,381,603	7,996,974	8,154,390	6,710,310
Occupancy Expenses	3,029,987	3,156,134	2,843,585	2,568,050	2,186,760
Federal Deposit Insurance	725,212	578,974	447,967	344,512	245,158
Selling, General & Administrative	4,623,539	3,646,928	3,407,151	3,578,053	3,099,453
Other Non-Interest Expense	89,706	243,611	217,264	170,623	135,507
Total Non-Interest Expense	19,681,153	17,007,250	14,912,941	14,815,628	12,377,188
EBT Excluding Unusual Items	34,268,358	28,829,328	26,306,089	22,729,320	16,527,259
Pretax Income	34,268,358	28,829,328	26,306,089	22,729,320	16,527,259
Income Tax Expense	6,885,380	5,878,064	5,252,297	4,574,135	3,305,822
Earnings From Continuing Operations	27,382,978	22,951,264	21,053,792	18,155,185	13,221,437
Minority Interest in Earnings	-604,039	-317,507	-377,004	-672,450	-524,362
Net Income	26,778,939	22,633,757	20,676,788	17,482,735	12,697,075
Preferred Dividends & Other Adjustments	-	-	1,663,858	1,395,150	864,533
Net Income to Common	26,778,939	22,633,757	19,012,930	16,087,585	11,832,542
Net Income Growth	18.31%	9.46%	18.27%	37.69%	53.67%
Basic Shares Outstanding	8,055	8,023	7,933	7,915	7,912
Diluted Shares Outstanding	8,055	8,023	7,933	7,915	7,912
Shares Change (YoY)	0.40%	1.13%	0.23%	0.03%	1.35%
EPS (Basic)	3324.51	2821.18	2396.62	2032.55	1495.43
EPS (Diluted)	3324.51	2821.18	2396.62	2032.55	1495.43
EPS Growth	17.84%	17.71%	17.91%	35.92%	52.36%
Dividend Per Share	-	227.273	329.381	286.418	-
Dividend Growth	-	-31.00%	15.00%	-	-
Effective Tax Rate	20.09%	20.39%	19.97%	20.12%	20.00%

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