HOSE:SSB Income Statement

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
Interest Income on Loans	24,569,893	20,716,605	19,718,490	15,149,800	11,804,488
Interest Paid on Deposits	14,866,059	10,750,195	12,647,771	8,143,873	6,618,395
Net Interest Income	9,703,834	9,966,410	7,070,719	7,005,927	5,186,093
Net Interest Income Growth (YoY)	-2.63%	40.95%	0.92%	35.09%	69.38%
Income From Trading Activities	217,406	-172,141	109,180	228,111	58,462
Gain (Loss) on Sale of Investments	268,721	321,407	129,239	621,497	333,508
Other Non-Interest Income	3,923,729	2,293,323	2,115,432	1,792,036	1,485,038
Total Non-Interest Income	4,409,856	2,442,589	2,353,851	2,641,644	1,877,008
Non-Interest Income Growth (YoY)	80.54%	3.77%	-10.89%	40.74%	23.33%
Revenues Before Loan Losses	14,113,690	12,408,999	9,424,570	9,647,571	7,063,101
Provision for Loan Losses	2,585,848	2,239,382	1,200,285	1,174,738	1,237,838
Revenue	11,527,842	10,169,617	8,224,285	8,472,833	5,825,263
Revenue Growth (YoY)	13.36%	23.65%	-2.93%	45.45%	49.12%
Salaries and Employee Benefits	2,699,925	2,113,460	1,856,595	1,800,099	1,316,617
Occupancy Expenses	180,760	140,309	671,177	568,183	413,182
Federal Deposit Insurance	142,988	135,804	117,411	100,038	112,083
Amortization of Goodwill & Intangibles	5,934	71,206	71,205	71,206	71,206
Selling, General & Administrative	826,255	1,009,060	653,260	643,637	409,085
Other Non-Interest Expense	803,591	660,379	238,079	220,684	234,552
Total Non-Interest Expense	4,659,453	4,130,218	3,607,727	3,403,847	2,556,725
EBT Excluding Unusual Items	6,868,389	6,039,399	4,616,558	5,068,986	3,268,538
Pretax Income	6,868,389	6,039,399	4,616,558	5,068,986	3,268,538
Income Tax Expense	1,358,850	1,223,373	939,603	1,016,058	662,020
Net Income	5,509,539	4,816,026	3,676,955	4,052,928	2,606,518
Preferred Dividends & Other Adjustments	165,286	235,000	110,010	116,336	18,419
Net Income to Common	5,344,253	4,581,026	3,566,945	3,936,592	2,588,099
Net Income Growth	14.40%	30.98%	-9.28%	55.49%	91.59%
Basic Shares Outstanding	2,843	2,835	2,794	2,852	2,512
Diluted Shares Outstanding	2,843	2,835	2,794	2,852	2,512
Shares Change (YoY)	0.29%	1.46%	-2.01%	13.53%	12.00%
EPS (Basic)	1879.63	1615.88	1276.52	1380.49	1030.44
EPS (Diluted)	1879.63	1615.88	1276.52	1380.49	1030.44
EPS Growth	16.32%	26.58%	-7.53%	33.97%	72.69%
Effective Tax Rate	19.78%	20.26%	20.35%	20.04%	20.25%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.