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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	58,128,893	50,487,346	57,589,391	40,773,670	35,606,329	31,287,120
Interest Paid on Deposits	31,808,459	29,255,227	38,304,038	23,223,586	20,035,980	21,353,921
Net Interest Income	26,320,434	21,232,119	19,285,353	17,550,084	15,570,349	9,933,199
Net Interest Income Growth (YoY)	39.14%	10.10%	9.89%	12.72%	56.75%	26.85%
Income From Trading Activities	2,165	3,329	11,122	92,641	-	1,293,111
Gain (Loss) on Sale of Assets	-	-	-	-	-	533
Gain (Loss) on Sale of Investments	26,340	-218,061	27,981	-	988,410	-
Other Non-Interest Income	3,355,591	2,554,878	2,003,941	1,698,257	1,594,259	980,568
Total Non-Interest Income	3,384,096	2,340,146	2,043,044	1,790,898	2,582,669	2,274,212
Non-Interest Income Growth (YoY)	151.90%	14.54%	14.08%	-30.66%	13.56%	45.83%
Revenues Before Loan Losses	29,704,530	23,572,265	21,328,397	19,340,982	18,153,018	12,207,411
Provision for Loan Losses	9,968,659	6,242,792	7,037,837	5,260,021	7,487,035	4,569,270
Revenue	19,735,871	17,329,473	14,290,560	14,080,961	10,665,983	7,638,141
Revenue Growth (YoY)	30.73%	21.27%	1.49%	32.02%	39.64%	9.45%
Salaries and Employee Benefits	3,312,063	3,177,593	2,945,499	2,790,873	3,048,550	-
Occupancy Expenses	656,307	623,876	579,886	498,674	458,863	-
Federal Deposit Insurance	529,551	499,430	428,201	319,172	289,121	-
Selling, General & Administrative	1,545,854	1,368,120	1,035,554	654,084	567,205	-
Other Non-Interest Expense	84,552	91,212	62,399	128,790	42,202	4,370,141
Total Non-Interest Expense	6,128,327	5,760,231	5,051,539	4,391,593	4,405,941	4,370,141
EBT Excluding Unusual Items	13,607,544	11,569,242	9,239,021	9,689,368	6,260,042	3,268,000
Pretax Income	13,607,544	11,569,242	9,239,021	9,689,368	6,260,042	3,268,000
Income Tax Expense	2,677,250	2,247,293	1,914,263	1,960,450	1,252,881	660,988
Earnings From Continuing Operations	10,930,294	9,321,949	7,324,758	7,728,918	5,007,161	2,607,012
Net Income	10,930,294	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	10,930,294	9,321,949	7,324,758	7,623,918	5,007,161	2,607,012
Net Income Growth	36.86%	27.27%	-5.23%	54.36%	92.06%	7.82%
Basic Shares Outstanding	4,065	4,043	4,022	4,017	3,638	3,477
Diluted Shares Outstanding	4,065	4,043	4,022	4,017	3,638	3,477
Shares Change (YoY)	0.48%	0.52%	0.12%	10.42%	4.63%	30.56%
EPS (Basic)	2688.75	2305.93	1821.29	1897.92	1376.35	749.77
EPS (Diluted)	2688.75	2305.93	1821.29	1897.92	1376.35	749.77
EPS Growth	36.20%	26.61%	-4.04%	37.90%	83.57%	-12.20%
Dividend Per Share	500.000	500.000	500.000	-	-	-
Effective Tax Rate	19.68%	19.43%	20.72%	20.23%	20.01%	20.23%

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