Orient Commercial Joint Stock Bank (HOSE:OCB)

HOSE:OCB Balance Sheet

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
Cash & Equivalents	1,191,391	39,710,325	33,083,649	19,219,689	21,844,978	16,120,672
Investment Securities	104,506,784	52,589,034	40,291,755	37,333,105	40,968,392	33,590,928
Trading Asset Securities	-	-	41,474	502,882	4,690,807	994,998
Total Investments	104,506,784	52,589,034	40,333,229	37,835,986	45,659,199	34,585,926
Gross Loans	200,163,612	176,127,340	149,353,668	122,013,267	103,514,517	90,823,506
Allowance for Loan Losses	-2,973,126	-2,587,418	-2,506,281	-1,582,265	-1,116,105	-940,300
Net Loans	197,190,486	173,539,922	146,847,387	120,431,002	102,398,412	89,883,206
Property, Plant & Equipment	365,106	2,219,612	2,187,018	3,308,185	1,941,876	1,991,160
Other Intangible Assets	406,123	289,207	285,024	304,732	269,598	273,166
Accrued Interest Receivable	3,207,127	2,774,658	2,515,857	1,933,891	1,459,655	1,518,654
Other Receivables	2,942,387	505,970	704,985	1,762,614	5,062,537	2,986,002
Restricted Cash	3,139,269	2,377,473	6,965,365	3,225,387	3,852,855	4,087,881
Other Current Assets	-	5,048,492	5,503,698	2,757,904	1,629,594	935,078
Other Real Estate Owned & Foreclosed	-	1,657,379	1,687,824	3,214,650	372,330	147,134
Other Long-Term Assets	2,213,038	298.93	240.06	197.62	-	-
Total Assets	315,161,711	280,712,372	240,114,275	193,994,238	184,491,035	152,528,879
Accrued Expenses	188,328	4,465,310	4,857,392	2,685,195	1,294,174	797,380
Interest Bearing Deposits	205,588,690	185,469,999	152,649,882	121,657,531	118,236,632	103,258,012
Non-Interest Bearing Deposits	1,091,015	788,017	523,681	612,497	634,718	582,703
Total Deposits	206,679,705	186,258,016	153,173,563	122,270,028	118,871,350	103,840,715
Short-Term Borrowings	4,868,908	3,825,798	94,394	2,594,630	130,607	152,190
Current Portion of Long-Term Debt	17,242,205	6,671,808	6,210,000	7,800,000	-	-
Current Income Taxes Payable	-	358,300	397,508	347,196	340,907	381,580
Accrued Interest Payable	2,804,852	2,644,219	4,629,529	2,789,922	2,192,852	1,881,317
Other Current Liabilities	-	17,993	18,021	27,546	28,282	33,019
Long-Term Debt	49,673,045	44,491,017	39,768,755	29,963,016	39,596,340	27,438,365
Long-Term Unearned Revenue	-	-	-	-	87.9	189,513
Other Long-Term Liabilities	1,056,815	308,865	2,429,409	244,466	231,427	379,417
Total Liabilities	282,513,856	249,041,326	211,578,571	168,721,998	162,686,026	135,093,496
Common Stock	26,630,523	24,657,892	20,548,243	13,698,829	13,698,829	10,959,063
Additional Paid-In Capital	53,272	53,272	53,272	1,702,686	1,702,686	1,702,961
Retained Earnings	5,963,754	6,959,508	7,933,814	9,870,350	6,403,120	4,772,984
Comprehensive Income & Other	306.19	374.06	374.06	374.06	374.06	374.06
Shareholders' Equity	32,647,855	31,671,045	28,535,703	25,272,239	21,805,009	17,435,383
Total Liabilities & Equity	315,161,711	280,712,372	240,114,275	193,994,238	184,491,035	152,528,879
Total Debt	71,784,158	54,988,623	46,073,149	40,357,645	39,726,947	27,590,555
Net Cash (Debt)	-19,117,407	-15,278,299	-12,948,027	-20,635,074	-13,191,162	-10,474,886
Net Cash Per Share	-7261.99	-5737.14	-4862.10	-7748.66	-4953.40	-4308.42
Filing Date Shares Outstanding	2,663	2,663	2,663	2,663	2,663	2,431
Total Common Shares Outstanding	2,663	2,663	2,663	2,663	2,663	2,431
Book Value Per Share	12259.56	11892.76	10715.41	9489.95	8187.98	7171.33
Tangible Book Value	32,241,732	31,381,839	28,250,679	24,967,508	21,535,411	17,162,217
Tangible Book Value Per Share	12107.06	11784.16	10608.38	9375.52	8086.74	7058.98

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.