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	Jun '26 Jun 30, 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	62,741,481	57,323,089	50,511,029	57,589,391	40,773,670	35,606,329
Interest Paid on Deposits	44,972,080	37,108,172	29,255,227	38,304,038	23,223,586	20,035,980
Net Interest Income	17,769,401	20,214,917	21,255,802	19,285,353	17,550,084	15,570,349
Net Interest Income Growth	-32.63%	-4.90%	10.22%	9.89%	12.72%	56.75%
Income From Trading Activities	1,051	42,505	3,329	11,122	92,641	-
Gain (Loss) on Sale of Investments	446,128	511,018	-218,061	27,981	-	988,410
Other Non-Interest Income	11,655,177	8,249,047	2,531,195	2,003,941	1,698,257	1,594,259
Total Non-Interest Income	12,102,356	8,802,570	2,316,463	2,043,044	1,790,898	2,582,669
Non-Interest Income Growth	260.19%	280.00%	13.38%	14.08%	-30.66%	13.56%
Revenues Before Loan Losses	29,871,757	29,017,487	23,572,265	21,328,397	19,340,982	18,153,018
Provision for Loan Losses	8,170,261	7,575,386	6,242,792	7,037,837	5,260,021	7,487,035
Revenue	21,701,496	21,442,101	17,329,473	14,290,560	14,080,961	10,665,983
Revenue Growth	9.78%	23.73%	21.27%	1.49%	32.02%	39.64%
Salaries and Employee Benefits	3,342,732	3,452,569	3,177,593	2,945,499	2,790,873	3,048,550
Occupancy Expenses	721,630	689,277	623,876	579,886	498,674	458,863
Federal Deposit Insurance	614,593	577,180	499,430	428,201	319,172	289,121
Selling, General & Administrative	1,709,588	1,607,972	1,368,120	1,035,554	654,084	567,205
Other Non-Interest Expense	95,584	94,522	91,212	62,399	128,790	42,202
Total Non-Interest Expense	6,484,127	6,421,520	5,760,231	5,051,539	4,391,593	4,405,941
EBT Excluding Unusual Items	15,217,369	15,020,581	11,569,242	9,239,021	9,689,368	6,260,042
Pretax Income	15,217,369	15,020,581	11,569,242	9,239,021	9,689,368	6,260,042
Income Tax Expense	3,071,808	3,060,286	2,247,293	1,914,263	1,960,450	1,252,881
Earnings From Continuing Operations	12,145,561	11,960,295	9,321,949	7,324,758	7,728,918	5,007,161
Net Income	12,145,561	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	12,145,561	11,960,295	9,321,949	7,324,758	7,623,918	5,007,161
Net Income Growth	10.71%	28.30%	27.27%	-3.92%	52.26%	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	0.00%	-	1.08%	0.12%	10.42%	4.63%
EPS (Basic)	2643.96	2603.63	2029.29	1611.76	1679.58	1218.01
EPS (Diluted)	2643.96	2603.63	2029.29	1611.76	1679.58	1218.01
EPS Growth	10.71%	28.30%	25.91%	-4.04%	37.90%	83.57%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Dividend Per Share	-	-	500.000	442.478	-	-
Dividend Growth	-	-	13.00%	-	-	-
Effective Tax Rate	20.19%	20.37%	19.43%	20.72%	20.23%	20.01%