HOSE:SHB Income Statement

Financials in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	60,588,146	57,323,089	50,511,029	57,589,391	40,773,670	35,606,329
Interest Paid on Deposits	40,419,657	37,108,172	29,255,227	38,304,038	23,223,586	20,035,980
Net Interest Income	20,168,489	20,214,917	21,255,802	19,285,353	17,550,084	15,570,349
Net Interest Income Growth (YoY)	-6.75%	-4.90%	10.22%	9.89%	12.72%	56.75%
Income From Trading Activities	-10,178	42,505	3,329	11,122	92,641	-
Gain (Loss) on Sale of Investments	511,018	511,018	-218,061	27,981	-	988,410
Other Non-Interest Income	9,768,393	8,249,047	2,531,195	2,003,941	1,698,257	1,594,259
Total Non-Interest Income	10,269,233	8,802,570	2,316,463	2,043,044	1,790,898	2,582,669
Non-Interest Income Growth (YoY)	376.75%	280.00%	13.38%	14.08%	-30.66%	13.56%
Revenues Before Loan Losses	30,437,722	29,017,487	23,572,265	21,328,397	19,340,982	18,153,018
Provision for Loan Losses	8,486,488	7,575,386	6,242,792	7,037,837	5,260,021	7,487,035
Revenue	21,951,234	21,442,101	17,329,473	14,290,560	14,080,961	10,665,983
Revenue Growth (YoY)	24.53%	23.73%	21.27%	1.49%	32.02%	39.64%
Salaries and Employee Benefits	3,554,027	3,452,569	3,177,593	2,945,499	2,790,873	3,048,550
Occupancy Expenses	701,712	689,277	623,876	579,886	498,674	458,863
Federal Deposit Insurance	597,023	577,180	499,430	428,201	319,172	289,121
Selling, General & Administrative	1,697,206	1,607,972	1,368,120	1,035,554	654,084	567,205
Other Non-Interest Expense	95,290	94,522	91,212	62,399	128,790	42,202
Total Non-Interest Expense	6,645,258	6,421,520	5,760,231	5,051,539	4,391,593	4,405,941
EBT Excluding Unusual Items	15,305,976	15,020,581	11,569,242	9,239,021	9,689,368	6,260,042
Pretax Income	15,305,976	15,020,581	11,569,242	9,239,021	9,689,368	6,260,042
Income Tax Expense	3,116,068	3,060,286	2,247,293	1,914,263	1,960,450	1,252,881
Earnings From Continuing Operations	12,189,908	11,960,295	9,321,949	7,324,758	7,728,918	5,007,161
Net Income	12,189,908	11,960,295	9,321,949	7,324,758	7,728,918	5,007,161
Preferred Dividends & Other Adjustments	-	-	-	-	105,000	-
Net Income to Common	12,189,908	11,960,295	9,321,949	7,324,758	7,623,918	5,007,161
Net Income Growth	26.86%	28.30%	27.27%	-5.23%	54.36%	92.06%
Basic Shares Outstanding	4,594	4,594	4,594	4,545	4,539	4,111
Diluted Shares Outstanding	4,594	4,594	4,594	4,545	4,539	4,111
Shares Change (YoY)	-	-	1.08%	0.12%	10.42%	4.63%
EPS (Basic)	2653.64	2603.63	2029.29	1611.76	1679.58	1218.01
EPS (Diluted)	2653.64	2603.63	2029.29	1611.76	1679.58	1218.01
EPS Growth	26.86%	28.30%	25.91%	-4.04%	37.90%	83.57%
Dividend Per Share	-	-	500.000	442.478	-	-
Dividend Growth	-	-	13.00%	-	-	-
Effective Tax Rate	20.36%	20.37%	19.43%	20.72%	20.23%	20.01%

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