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

HOSE:SHB Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	94,199,072	56,196,754	54,354,230	58,396,240	33,550,201
Investment Securities	32,775,105	32,478,108	33,001,375	25,236,229	28,772,738
Trading Asset Securities	4,910,456	7,792,742	271,319	255,693	134,832
Total Investments	37,685,561	40,270,850	33,272,694	25,491,922	28,907,570
Gross Loans	544,663,251	447,305,580	396,285,186	371,008,883	305,733,885
Allowance for Loan Losses	-8,951,171	-9,219,828	-7,157,566	-4,677,310	-3,438,254
Net Loans	535,712,080	438,085,752	389,127,620	366,331,573	302,295,631
Property, Plant & Equipment	826,882	1,696,350	1,630,329	1,002,585	797,548
Other Intangible Assets	4,501,143	4,494,438	4,451,542	4,442,784	4,333,077
Investments in Real Estate	-	-	-	4,948	4,948
Accrued Interest Receivable	12,007,278	13,949,182	15,295,742	6,132,269	7,560,625
Other Receivables	33,485,000	17,812,888	27,971,957	30,610,993	19,622,737
Restricted Cash	27,440,936	54,763,646	15,145,862	13,412,927	14,029,805
Other Real Estate Owned & Foreclosed	702,291	1,052,516	53,141	1,443	587,696
Other Long-Term Assets	683,605	2,178,309	1,124,968	776,644	989,755
Total Assets	747,243,848	630,500,685	542,428,085	506,604,328	412,679,593
Accounts Payable	-	117,509	522,086	334,929	1,895,040
Accrued Expenses	196,045	184,641	112,264	43,878	45,411
Interest Bearing Deposits	560,948,602	457,453,525	380,342,308	344,115,293	287,612,301
Non-Interest Bearing Deposits	62,674,414	55,335,991	54,204,324	57,510,117	37,807,372
Total Deposits	623,623,016	512,789,516	434,546,632	401,625,410	325,419,673
Short-Term Borrowings	11,669,710	6,911,014	15,128,090	6,814,951	17,734,158
Current Portion of Long-Term Debt	-	40,809,493	-	14,620,249	10,798,563
Current Income Taxes Payable	-	1,217,757	1,746,517	287,618	275,535
Accrued Interest Payable	10,602,204	14,025,631	9,069,320	7,687,455	8,633,097
Other Current Liabilities	-	-	-	2,902,035	-
Long-Term Debt	40,677,845	3,623,469	38,055,813	36,624,035	23,748,483
Long-Term Deferred Tax Liabilities	-	36,030	30,233	31,026	34,837
Other Long-Term Liabilities	2,625,508	687,345	312,659	101,077	58,576
Total Liabilities	689,394,328	580,402,405	499,523,614	471,072,663	388,643,373
Common Stock	36,629,085	36,193,981	30,673,832	26,673,698	17,510,091
Additional Paid-In Capital	1,449,603	1,449,603	1,449,603	1,449,603	101,716
Retained Earnings	20,086,408	13,147,972	11,391,618	7,706,267	6,526,481
Treasury Stock	-5,260	-5,260	-5,260	-5,260	-5,260
Comprehensive Income & Other	-310,316	-688,016	-605,322	-292,643	-96,808
Total Common Equity	57,849,520	50,098,280	42,904,471	35,531,665	24,036,220
Shareholders' Equity	57,849,520	50,098,280	42,904,471	35,531,665	24,036,220
Total Liabilities & Equity	747,243,848	630,500,685	542,428,085	506,604,328	412,679,593
Total Debt	52,347,555	51,343,976	53,183,903	58,059,235	52,281,204
Net Cash (Debt)	46,761,973	12,645,520	1,441,646	592,698	-18,596,171
Net Cash Growth	269.79%	777.16%	143.23%	-	-
Net Cash Per Share	12768.08	3494.30	398.37	180.84	-5936.53
Filing Date Shares Outstanding	3,662	3,619	3,619	3,619	2,887
Total Common Shares Outstanding	3,662	3,619	3,619	3,619	2,887
Book Value Per Share	15795.47	13843.50	11855.58	9818.23	8324.65
Tangible Book Value	53,348,377	45,603,842	38,452,929	31,088,881	19,703,143
Tangible Book Value Per Share	14566.46	12601.57	10625.51	8590.59	6823.94

Source: S&P Capital IQ. Banks template. Financial Sources.