HOSE:SSB 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	92,307,569	68,883,426	46,659,323	42,500,272	36,309,520
Investment Securities	25,501,368	19,694,524	14,348,658	8,708,258	16,904,873
Trading Asset Securities	11,444,995	8,866,716	8,353,236	3,987,085	13,082,630
Total Investments	36,946,363	28,561,240	22,701,894	12,695,343	29,987,503
Gross Loans	237,227,100	211,678,903	182,642,443	157,561,937	134,945,144
Allowance for Loan Losses	-3,266,690	-3,281,433	-2,978,019	-2,433,009	-1,781,617
Net Loans	233,960,410	208,397,470	179,664,424	155,128,928	133,163,527
Property, Plant & Equipment	512,464	488,465	551,265	427,189	286,268
Goodwill	-	267,021	338,226	409,431	480,637
Other Intangible Assets	976,880	878,565	718,033	658,503	596,235
Investments in Real Estate	76,960	54,010	56,584	58,047	65,564
Accrued Interest Receivable	3,091,938	2,581,613	3,318,857	2,594,093	1,679,591
Other Receivables	1,642,097	2,202,813	7,092,858	5,490,462	1,991,841
Restricted Cash	24,472,475	11,299,668	2,799,895	9,826,851	4,799,360
Other Current Assets	-	-	-	-	1,288,185
Other Real Estate Owned & Foreclosed	-	-	-	-	908,982
Other Long-Term Assets	2,455,975	2,084,557	2,220,556	1,633,937	106,302
Total Assets	396,443,131	325,698,848	266,121,915	231,423,056	211,663,515
Accounts Payable	467,392	-	-	-	-
Accrued Expenses	385,083	242,006	167,114	66,308	30,877
Interest Bearing Deposits	234,199,971	182,140,505	168,378,313	141,828,127	124,576,621
Non-Interest Bearing Deposits	42,906,861	42,074,805	23,508,492	17,984,909	20,760,748
Total Deposits	277,106,832	224,215,310	191,886,805	159,813,036	145,337,369
Short-Term Borrowings	19,045,501	303,574	107,131	14,963	47,804
Current Portion of Long-Term Debt	27,334,277	28,564,683	16,733,537	9,838,696	3,925,963
Current Income Taxes Payable	825,791	812,283	555,416	434,315	302,044
Accrued Interest Payable	3,997,234	2,922,277	3,743,466	3,699,830	2,947,979
Other Current Liabilities	14,066	13,270	9,978	-	-
Long-Term Debt	26,665,439	33,359,525	22,303,459	30,959,482	40,114,286
Long-Term Unearned Revenue	11,725	2,157	1,718	517	634
Other Long-Term Liabilities	217,197	260,908	316,452	363,689	293,295
Total Liabilities	356,070,537	290,695,993	235,825,076	205,190,836	193,000,251
Common Stock	28,450,000	28,350,000	24,957,000	20,402,983	14,784,884
Additional Paid-In Capital	3,167	3,167	106,167	1,204,184	810,623
Retained Earnings	11,919,427	6,649,688	5,233,672	4,625,053	3,067,757
Shareholders' Equity	40,372,594	35,002,855	30,296,839	26,232,220	18,663,264
Total Liabilities & Equity	396,443,131	325,698,848	266,121,915	231,423,056	211,663,515
Total Debt	73,045,217	62,227,782	39,144,127	40,813,141	44,088,053
Net Cash (Debt)	30,707,347	15,522,360	15,868,432	5,674,216	5,304,097
Net Cash Growth	97.83%	-2.18%	179.66%	6.98%	4.16%
Net Cash Per Share	10800.10	5475.26	5678.93	1989.85	2111.80
Filing Date Shares Outstanding	2,845	2,835	2,835	2,787	2,411
Total Common Shares Outstanding	2,845	2,835	2,835	2,787	2,411
Book Value Per Share	14190.72	12346.69	10686.72	9411.28	7742.31
Tangible Book Value	39,395,714	33,857,269	29,240,580	25,164,286	17,586,392
Tangible Book Value Per Share	13847.35	11942.60	10314.15	9028.14	7295.58

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