Saigon - Hanoi Commercial Joint Stock Bank (HOSE:SHB)

HOSE:SHB 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	62,674,812	50,487,346	57,589,391	40,773,670	35,606,329	31,287,120
Interest Paid on Deposits	34,259,057	29,255,227	38,304,038	23,223,586	20,035,980	21,353,921
Net Interest Income	28,415,755	21,232,119	19,285,353	17,550,084	15,570,349	9,933,199
Net Interest Income Growth (YoY)	60.03%	10.10%	9.89%	12.72%	56.75%	26.85%
Income From Trading Activities	44,674	3,329	11,122	92,641	-	1,293,111
Gain (Loss) on Sale of Assets	-	-	-	-	-	533
Gain (Loss) on Sale of Investments	-124,000	-218,061	27,981	-	988,410	-
Other Non-Interest Income	3,956,158	2,554,878	2,003,941	1,698,257	1,594,259	980,568
Total Non-Interest Income	3,876,832	2,340,146	2,043,044	1,790,898	2,582,669	2,274,212
Non-Interest Income Growth (YoY)	119.81%	14.54%	14.08%	-30.66%	13.56%	45.83%
Revenues Before Loan Losses	32,292,587	23,572,265	21,328,397	19,340,982	18,153,018	12,207,411
Provision for Loan Losses	10,941,728	6,242,792	7,037,837	5,260,021	7,487,035	4,569,270
Revenue	21,350,859	17,329,473	14,290,560	14,080,961	10,665,983	7,638,141
Revenue Growth (YoY)	47.66%	21.27%	1.49%	32.02%	39.64%	9.45%
Salaries and Employee Benefits	3,177,593	3,177,593	2,945,499	2,790,873	3,048,550	-
Occupancy Expenses	623,876	623,876	579,886	498,674	458,863	-
Federal Deposit Insurance	499,430	499,430	428,201	319,172	289,121	-
Selling, General & Administrative	1,368,120	1,368,120	1,035,554	654,084	567,205	-
Other Non-Interest Expense	926,180	91,212	62,399	128,790	42,202	4,370,141
Total Non-Interest Expense	6,595,199	5,760,231	5,051,539	4,391,593	4,405,941	4,370,141
EBT Excluding Unusual Items	14,755,660	11,569,242	9,239,021	9,689,368	6,260,042	3,268,000
Pretax Income	14,755,660	11,569,242	9,239,021	9,689,368	6,260,042	3,268,000
Income Tax Expense	2,918,186	2,247,293	1,914,263	1,960,450	1,252,881	660,988
Earnings From Continuing Operations	11,837,474	9,321,949	7,324,758	7,728,918	5,007,161	2,607,012
Net Income	11,837,474	9,321,949	7,324,758	7,728,918	5,007,161	2,607,012
Preferred Dividends & Other Adjustments	-	-	-	105,000	-	-
Net Income to Common	11,837,474	9,321,949	7,324,758	7,623,918	5,007,161	2,607,012
Net Income Growth	54.38%	27.27%	-5.23%	54.36%	92.06%	7.82%
Basic Shares Outstanding	4,594	4,568	4,545	4,539	4,111	3,929
Diluted Shares Outstanding	4,594	4,568	4,545	4,539	4,111	3,929
Shares Change (YoY)	-0.00%	0.52%	0.12%	10.42%	4.63%	30.56%
EPS (Basic)	2576.92	2040.64	1611.76	1679.58	1218.01	663.51
EPS (Diluted)	2576.92	2040.64	1611.76	1679.58	1218.01	663.51
EPS Growth	54.38%	26.61%	-4.04%	37.90%	83.57%	-12.20%
Dividend Per Share	442.478	442.478	442.478	-	-	-
Effective Tax Rate	19.78%	19.43%	20.72%	20.23%	20.01%	20.23%

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