HOSE:OCB 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	21,118,346	17,954,213	18,126,741	14,067,732	11,720,101
Interest Paid on Deposits	11,869,499	9,347,544	11,361,222	7,120,149	5,954,516
Net Interest Income	9,248,846	8,606,669	6,765,518	6,947,583	5,765,585
Net Interest Income Growth (YoY)	7.46%	27.21%	-2.62%	20.50%	15.73%
Income From Trading Activities	-45,400	2,250	1,496	-77,265	123,818
Gain (Loss) on Sale of Investments	-228,916	-188,422	646,562	-140,196	1,744,619
Other Non-Interest Income	2,638,991	1,648,586	1,524,550	1,803,450	1,285,131
Total Non-Interest Income	2,364,675	1,462,414	2,172,608	1,585,988	3,153,568
Non-Interest Income Growth (YoY)	61.70%	-32.69%	36.99%	-49.71%	4.04%
Revenues Before Loan Losses	11,613,521	10,069,083	8,938,127	8,533,571	8,919,153
Provision for Loan Losses	2,364,748	2,259,026	1,627,225	1,067,461	997,677
Revenue	9,248,773	7,810,057	7,310,901	7,466,110	7,921,477
Revenue Growth (YoY)	18.42%	6.83%	-2.08%	-5.75%	17.36%
Salaries and Employee Benefits	-	2,261,241	1,939,839	2,030,006	1,584,031
Occupancy Expenses	-	593,656	496,478	411,792	374,599
Federal Deposit Insurance	-	121,852	98,377	77,091	70,935
Selling, General & Administrative	-	823,086	633,347	552,496	371,504
Other Non-Interest Expense	4,202,871	3,926	3,384	5,418	1,855
Total Non-Interest Expense	4,202,871	3,803,761	3,171,425	3,076,802	2,402,924
EBT Excluding Unusual Items	5,045,902	4,006,296	4,139,476	4,389,308	5,518,553
Pretax Income	5,045,902	4,006,296	4,139,476	4,389,308	5,518,553
Income Tax Expense	1,017,047	832,873	836,173	879,590	1,113,594
Net Income	4,028,855	3,173,423	3,303,303	3,509,718	4,404,959
Preferred Dividends & Other Adjustments	-	25,386	38,081	39,839	42,488
Net Income to Common	4,028,855	3,148,038	3,265,221	3,469,879	4,362,471
Net Income Growth	26.96%	-3.93%	-5.88%	-20.32%	24.62%
Basic Shares Outstanding	2,684	2,663	2,663	2,663	2,663
Diluted Shares Outstanding	2,684	2,663	2,663	2,663	2,663
Shares Change (YoY)	0.79%	-	-	-	9.53%
EPS (Basic)	1501.00	1182.12	1226.12	1302.97	1638.15
EPS (Diluted)	1501.00	1182.12	1226.12	1302.97	1638.15
EPS Growth	26.98%	-3.59%	-5.90%	-20.46%	13.80%
Dividend Per Share	-	648.148	-	-	-
Effective Tax Rate	20.16%	20.79%	20.20%	20.04%	20.18%

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