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

SHB Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	78,837,086	56,196,754	54,354,230	58,396,240	33,550,201	2,696,246
Investment Securities	29,435,096	32,478,108	33,001,375	25,236,229	28,772,738	55,354,695
Trading Asset Securities	6,655,049	7,792,742	271,319	255,693	134,832	173,448
Total Investments	36,090,145	40,270,850	33,272,694	25,491,922	28,907,570	55,528,143
Gross Loans	504,443,270	447,305,580	396,285,186	371,008,883	305,733,885	265,252,928
Allowance for Loan Losses	-9,245,183	-9,219,828	-7,157,566	-4,677,310	-3,438,254	-3,130,469
Net Loans	495,198,087	438,085,752	389,127,620	366,331,573	302,295,631	262,122,459
Property, Plant & Equipment	758,286	1,696,350	1,630,329	1,002,585	797,548	688,526
Other Intangible Assets	4,496,415	4,494,438	4,451,542	4,442,784	4,333,077	4,319,172
Investments in Real Estate	-	-	-	4,948	4,948	14,840
Accrued Interest Receivable	19,620,719	13,949,182	15,295,742	6,132,269	7,560,625	8,065,177
Other Receivables	13,342,666	17,812,888	27,971,957	30,610,993	19,622,737	15,543,975
Restricted Cash	38,162,945	54,763,646	15,145,862	13,412,927	14,029,805	9,221,799
Other Current Assets	295,320	-	-	-	-	-
Other Real Estate Owned & Foreclosed	733,304	1,052,516	53,141	1,443	587,696	616,618
Other Long-Term Assets	852,056	2,178,309	1,124,968	776,644	989,755	6,437,363
Total Assets	688,387,029	630,500,685	542,428,085	506,604,328	412,679,593	365,254,318
Accounts Payable	2,327,916	117,509	522,086	334,929	1,895,040	-
Accrued Expenses	196,856	184,641	112,264	43,878	45,411	96,245
Interest Bearing Deposits	510,019,177	457,453,525	380,342,308	344,115,293	287,612,301	248,720,416
Non-Interest Bearing Deposits	59,448,453	55,335,991	54,204,324	57,510,117	37,807,372	42,141,962
Total Deposits	569,467,630	512,789,516	434,546,632	401,625,410	325,419,673	290,862,378
Short-Term Borrowings	11,262,471	6,911,014	15,128,090	6,814,951	17,734,158	17,723,188
Current Portion of Long-Term Debt	-	40,809,493	-	14,620,249	10,798,563	10,789,966
Current Income Taxes Payable	-	1,217,757	1,746,517	287,618	275,535	52,041
Accrued Interest Payable	10,891,139	14,025,631	9,069,320	7,687,455	8,633,097	8,428,063
Other Current Liabilities	-	-	-	2,902,035	-	305,910
Long-Term Debt	38,045,184	3,623,469	38,055,813	36,624,035	23,748,483	18,452,485
Long-Term Deferred Tax Liabilities	-	36,030	30,233	31,026	34,837	36,599
Other Long-Term Liabilities	444,764	687,345	312,659	101,077	58,576	-
Total Liabilities	632,635,960	580,402,405	499,523,614	471,072,663	388,643,373	346,746,875
Common Stock	36,629,085	36,193,981	30,673,832	26,673,698	17,510,091	12,036,161
Additional Paid-In Capital	1,449,603	1,449,603	1,449,603	1,449,603	101,716	101,716
Retained Earnings	18,071,644	13,147,972	11,391,618	7,706,267	6,526,481	6,423,624
Treasury Stock	-5,260	-5,260	-5,260	-5,260	-5,260	-5,260
Comprehensive Income & Other	-394,003	-688,016	-605,322	-292,643	-96,808	-48,798
Total Common Equity	55,751,069	50,098,280	42,904,471	35,531,665	24,036,220	18,507,443
Shareholders' Equity	55,751,069	50,098,280	42,904,471	35,531,665	24,036,220	18,507,443
Total Liabilities & Equity	688,387,029	630,500,685	542,428,085	506,604,328	412,679,593	365,254,318
Total Debt	49,307,655	51,343,976	53,183,903	58,059,235	52,281,204	46,965,639
Net Cash (Debt)	36,184,480	12,645,520	1,441,646	592,698	-18,596,171	-10,478,707
Net Cash Growth	286.22%	777.16%	143.23%	-	-	-
Net Cash Per Share	9879.96	3494.30	398.37	180.84	-5936.53	-4367.59
Filing Date Shares Outstanding	3,662	3,619	3,619	3,619	2,887	2,399
Total Common Shares Outstanding	3,662	3,619	3,619	3,619	2,887	2,399
Book Value Per Share	15222.50	13843.50	11855.58	9818.23	8324.65	7713.94
Tangible Book Value	51,254,654	45,603,842	38,452,929	31,088,881	19,703,143	14,188,271
Tangible Book Value Per Share	13994.78	12601.57	10625.51	8590.59	6823.94	5913.70

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