HOSE:SHB 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	57,355,183	50,487,346	57,589,391	40,773,670	35,606,329
Interest Paid on Deposits	37,137,867	29,255,227	38,304,038	23,223,586	20,035,980
Net Interest Income	20,217,316	21,232,119	19,285,353	17,550,084	15,570,349
Net Interest Income Growth (YoY)	-4.78%	10.10%	9.89%	12.72%	56.75%
Income From Trading Activities	42,475	3,329	11,122	92,641	-
Gain (Loss) on Sale of Investments	142,400	-218,061	27,981	-	988,410
Other Non-Interest Income	8,185,804	2,554,878	2,003,941	1,698,257	1,594,259
Total Non-Interest Income	8,370,679	2,340,146	2,043,044	1,790,898	2,582,669
Non-Interest Income Growth (YoY)	257.70%	14.54%	14.08%	-30.66%	13.56%
Revenues Before Loan Losses	28,587,995	23,572,265	21,328,397	19,340,982	18,153,018
Provision for Loan Losses	7,143,751	6,242,792	7,037,837	5,260,021	7,487,035
Revenue	21,444,244	17,329,473	14,290,560	14,080,961	10,665,983
Revenue Growth (YoY)	23.74%	21.27%	1.49%	32.02%	39.64%
Salaries and Employee Benefits	3,452,568	3,177,593	2,945,499	2,790,873	3,048,550
Occupancy Expenses	689,276	623,876	579,886	498,674	458,863
Federal Deposit Insurance	577,180	499,430	428,201	319,172	289,121
Selling, General & Administrative	1,608,782	1,368,120	1,035,554	654,084	567,205
Other Non-Interest Expense	88,060	91,212	62,399	128,790	42,202
Total Non-Interest Expense	6,415,866	5,760,231	5,051,539	4,391,593	4,405,941
EBT Excluding Unusual Items	15,028,378	11,569,242	9,239,021	9,689,368	6,260,042
Pretax Income	15,028,378	11,569,242	9,239,021	9,689,368	6,260,042
Income Tax Expense	3,018,469	2,247,293	1,914,263	1,960,450	1,252,881
Earnings From Continuing Operations	12,009,909	9,321,949	7,324,758	7,728,918	5,007,161
Net Income	12,009,909	9,321,949	7,324,758	7,728,918	5,007,161
Preferred Dividends & Other Adjustments	-	-	-	105,000	-
Net Income to Common	12,009,909	9,321,949	7,324,758	7,623,918	5,007,161
Net Income Growth	28.84%	27.27%	-5.23%	54.36%	92.06%
Basic Shares Outstanding	4,594	4,568	4,545	4,539	4,111
Diluted Shares Outstanding	4,594	4,568	4,545	4,539	4,111
Shares Change (YoY)	0.56%	0.52%	0.12%	10.42%	4.63%
EPS (Basic)	2614.46	2040.64	1611.76	1679.58	1218.01
EPS (Diluted)	2614.46	2040.64	1611.76	1679.58	1218.01
EPS Growth	28.12%	26.61%	-4.04%	37.90%	83.57%
Dividend Per Share	-	442.478	442.478	-	-
Effective Tax Rate	20.09%	19.43%	20.72%	20.23%	20.01%

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