HOSE:SSB 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	Mar '26 Mar 31, 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	25,901,374	24,569,893	20,716,605	19,718,490	15,149,800	11,804,488
Interest Paid on Deposits	16,234,561	14,866,059	10,750,195	12,647,771	8,143,873	6,618,395
Net Interest Income	9,666,813	9,703,834	9,966,410	7,070,719	7,005,927	5,186,093
Net Interest Income Growth (YoY)	-7.18%	-2.63%	40.95%	0.92%	35.09%	69.38%
Income From Trading Activities	264,075	217,406	-172,141	109,180	228,111	58,462
Gain (Loss) on Sale of Investments	-394,512	268,721	321,407	129,239	621,497	333,508
Other Non-Interest Income	1,671,026	3,923,729	2,293,323	2,115,432	1,792,036	1,485,038
Total Non-Interest Income	1,540,589	4,409,856	2,442,589	2,353,851	2,641,644	1,877,008
Non-Interest Income Growth (YoY)	-69.83%	80.54%	3.77%	-10.89%	40.74%	23.33%
Revenues Before Loan Losses	11,207,402	14,113,690	12,408,999	9,424,570	9,647,571	7,063,101
Provision for Loan Losses	2,742,726	2,585,848	2,239,382	1,200,285	1,174,738	1,237,838
Revenue	8,464,676	11,527,842	10,169,617	8,224,285	8,472,833	5,825,263
Revenue Growth (YoY)	-35.56%	13.36%	23.65%	-2.93%	45.45%	49.12%
Salaries and Employee Benefits	2,639,642	2,699,925	2,113,460	1,856,595	1,800,099	1,316,617
Occupancy Expenses	176,121	180,760	140,309	671,177	568,183	413,182
Federal Deposit Insurance	149,068	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	796,284	826,255	1,009,060	653,260	643,637	409,085
Other Non-Interest Expense	797,205	803,591	660,379	238,079	220,684	234,552
Total Non-Interest Expense	4,558,320	4,659,453	4,130,218	3,607,727	3,403,847	2,556,725
EBT Excluding Unusual Items	3,906,356	6,868,389	6,039,399	4,616,558	5,068,986	3,268,538
Pretax Income	3,906,356	6,868,389	6,039,399	4,616,558	5,068,986	3,268,538
Income Tax Expense	778,672	1,358,850	1,223,373	939,603	1,016,058	662,020
Net Income	3,127,684	5,509,539	4,816,026	3,676,955	4,052,928	2,606,518
Preferred Dividends & Other Adjustments	20,488	165,286	235,000	110,010	116,336	18,419
Net Income to Common	3,107,196	5,344,253	4,581,026	3,566,945	3,936,592	2,588,099
Net Income Growth	-55.99%	14.40%	30.98%	-9.28%	55.49%	91.59%
Basic Shares Outstanding	2,845	2,843	2,835	2,794	2,852	2,512
Diluted Shares Outstanding	2,845	2,843	2,835	2,794	2,852	2,512
Shares Change (YoY)	0.33%	0.29%	1.46%	-2.01%	13.53%	12.00%
EPS (Basic)	1092.15	1879.63	1615.88	1276.52	1380.49	1030.44
EPS (Diluted)	1092.15	1879.63	1615.88	1276.52	1380.49	1030.44
EPS Growth	-54.26%	16.32%	26.58%	-7.53%	33.97%	72.69%
Effective Tax Rate	19.93%	19.78%	20.26%	20.35%	20.04%	20.25%

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