HOSE:SHB Balance Sheet

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
Cash & Equivalents	128,143,821	94,199,072	56,196,754	54,354,230	58,396,240
Investment Securities	28,713,814	32,777,266	32,478,108	33,001,375	25,236,229
Trading Asset Securities	140,621	4,910,456	7,792,742	271,319	255,693
Total Investments	28,854,435	37,687,722	40,270,850	33,272,694	25,491,922
Gross Loans	625,862,175	547,270,584	447,305,580	396,285,186	371,008,883
Allowance for Loan Losses	-10,498,298	-8,816,396	-9,219,828	-7,157,566	-4,677,310
Net Loans	615,363,877	538,454,188	438,085,752	389,127,620	366,331,573
Property, Plant & Equipment	1,675,761	1,770,976	1,696,350	1,630,329	1,002,585
Other Intangible Assets	4,710,371	4,501,143	4,494,438	4,451,542	4,442,784
Investments in Real Estate	-	-	-	-	4,948
Accrued Interest Receivable	12,902,902	12,117,241	13,949,182	15,295,742	6,132,269
Other Receivables	64,488,618	29,930,379	17,812,888	27,971,957	30,610,993
Restricted Cash	34,354,634	27,436,936	54,763,646	15,145,862	13,412,927
Long-Term Deferred Tax Assets	10,450	-	-	-	-
Other Real Estate Owned & Foreclosed	627,910	702,290	1,052,516	53,141	1,443
Other Long-Term Assets	875,930	678,122	2,178,309	1,124,968	776,644
Total Assets	892,008,709	747,478,069	630,500,685	542,428,085	506,604,328
Accounts Payable	-	-	-	522,086	334,929
Accrued Expenses	2,573,550	1,911,714	144,675	112,264	43,878
Interest Bearing Deposits	652,161,659	560,947,603	457,453,525	380,342,308	344,115,293
Non-Interest Bearing Deposits	57,691,737	62,675,039	55,335,991	54,204,324	57,510,117
Total Deposits	709,853,396	623,622,642	512,789,516	434,546,632	401,625,410
Short-Term Borrowings	27,549,827	11,669,710	6,911,014	15,128,090	6,814,951
Current Portion of Long-Term Debt	24,249,029	-	-	-	14,620,249
Current Income Taxes Payable	-	-	-	1,746,517	287,618
Accrued Interest Payable	13,813,151	10,591,116	14,025,631	9,069,320	7,687,455
Other Current Liabilities	-	-	-	-	2,902,035
Long-Term Debt	44,652,119	40,677,845	44,432,962	38,055,813	36,624,035
Long-Term Deferred Tax Liabilities	36,599	22,049	36,030	30,233	31,026
Other Long-Term Liabilities	1,150,100	915,649	2,062,577	312,659	101,077
Total Liabilities	823,877,771	689,410,725	580,402,405	499,523,614	471,072,663
Common Stock	45,942,000	36,629,085	36,193,981	30,673,832	26,673,698
Additional Paid-In Capital	1,449,603	1,449,603	1,449,603	1,449,603	1,449,603
Retained Earnings	20,990,272	20,304,232	13,147,972	11,391,618	7,706,267
Treasury Stock	-5,260	-5,260	-5,260	-5,260	-5,260
Comprehensive Income & Other	-245,677	-310,316	-688,016	-605,322	-292,643
Total Common Equity	68,130,938	58,067,344	50,098,280	42,904,471	35,531,665
Shareholders' Equity	68,130,938	58,067,344	50,098,280	42,904,471	35,531,665
Total Liabilities & Equity	892,008,709	747,478,069	630,500,685	542,428,085	506,604,328
Total Debt	96,450,975	52,347,555	51,343,976	53,183,903	58,059,235
Net Cash (Debt)	31,833,467	46,761,973	12,645,520	1,441,646	592,698
Net Cash Growth	-31.92%	269.79%	777.16%	143.23%	-
Net Cash Per Share	6929.80	10179.58	2782.56	317.60	144.18
Filing Date Shares Outstanding	4,594	4,139	4,539	4,539	4,539
Total Common Shares Outstanding	4,594	4,139	4,539	4,539	4,539
Book Value Per Share	14831.55	14030.92	11036.84	9451.95	7827.66
Tangible Book Value	63,420,567	53,566,201	45,603,842	38,452,929	31,088,881
Tangible Book Value Per Share	13806.14	12943.30	10046.69	8471.26	6848.91

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