Southeast Asia Commercial Joint Stock Bank (HOSE: SSB)

SSB Balance Sheet

Financials in millions VND. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2016
Period Ending	Dec 31, 2023	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2016
Cash & Equivalents	46,659,323	46,659,323	42,500,272	36,309,520	26,653,407	708,369
Investment Securities	14,412,531	14,412,531	8,708,258	16,904,873	32,283,216	30,670,790
Trading Asset Securities	8,353,236	8,353,236	3,987,085	13,082,630	2,838,453	-
Total Investments	22,765,767	22,765,767	12,695,343	29,987,503	35,121,669	30,670,790
Gross Loans	182,642,443	182,642,443	157,561,937	134,945,144	108,969,236	63,512,187
Allowance for Loan Losses	-2,978,019	-2,978,019	-2,433,009	-1,781,617	-1,108,322	-556,841
Net Loans	179,664,424	179,664,424	155,128,928	133,163,527	107,860,914	62,955,346
Property, Plant & Equipment	551,265	551,265	427,189	286,268	283,496	243,208
Goodwill	338,226	338,226	409,431	480,637	551,843	-
Other Intangible Assets	718,033	718,033	658,503	596,235	578,991	103,949
Investments in Real Estate	56,584	56,584	58,047	65,564	240,934	290,134
Accrued Interest Receivable	3,404,984	3,404,984	2,594,093	1,679,591	2,598,213	2,130,200
Other Receivables	6,927,976	6,927,976	5,490,462	1,991,841	1,282,827	1,592,150
Restricted Cash	2,799,895	2,799,895	9,826,851	4,799,360	3,374,359	2,364,806
Other Current Assets	-	-	1,505,438	1,288,185	540,036	-
Other Real Estate Owned & Foreclosed	-	-	140,359	908,982	961,936	-
Other Long-Term Assets	2,220,556	2,220,556	-11,860	106,302	158,663	2,306,010
Total Assets	266,107,033	266,107,033	231,423,056	211,663,515	180,207,288	103,364,962
Accounts Payable	288,508	288,508	-	-	-	-
Accrued Expenses	144,982	144,982	66,308	30,877	13,627	1,187,167
Interest Bearing Deposits	176,092,212	176,092,212	141,828,127	124,576,621	127,564,957	85,069,891
Non-Interest Bearing Deposits	15,794,593	15,794,593	17,984,909	20,760,748	11,100,112	-
Total Deposits	191,886,805	191,886,805	159,813,036	145,337,369	138,665,069	85,069,891
Short-Term Borrowings	107,131	107,131	14,963	47,804	-	65,794
Current Portion of Long-Term Debt	16,733,537	16,733,537	9,838,696	3,925,963	4,763,022	-
Current Income Taxes Payable	587,486	587,486	434,315	302,044	186,013	-
Accrued Interest Payable	3,743,466	3,743,466	3,699,830	2,947,979	3,065,150	-
Long-Term Debt	22,303,459	22,303,459	30,959,482	40,114,286	19,636,641	11,088,139
Long-Term Unearned Revenue	1,718	1,718	517	634	492	393
Other Long-Term Liabilities	13,262	13,262	363,689	293,295	206,896	73,748
Total Liabilities	235,810,354	235,810,354	205,190,836	193,000,251	166,536,910	97,485,132
Common Stock	24,957,000	24,957,000	20,402,983	14,784,884	12,087,442	5,465,826
Additional Paid-In Capital	106,167	106,167	1,204,184	810,623	-	-
Retained Earnings	5,233,512	5,233,512	4,625,053	3,067,757	1,582,936	240,320
Comprehensive Income & Other	-	-	-	-	-	173,684
Shareholders' Equity	30,296,679	30,296,679	26,232,220	18,663,264	13,670,378	5,879,830
Total Liabilities & Equity	266,107,033	266,107,033	231,423,056	211,663,515	180,207,288	103,364,962
Total Debt	39,144,127	39,144,127	40,813,141	44,088,053	24,399,663	11,153,933
Net Cash (Debt)	15,868,432	15,868,432	5,674,216	5,304,097	5,092,197	310,104
Net Cash Growth	179.66%	179.66%	6.98%	4.16%	1542.09%	-
Net Cash Per Share	5690.21	5690.21	1980.78	2111.80	2270.69	302.97
Filing Date Shares Outstanding	2,835	2,835	2,787	2,411	2,700	1,024
Total Common Shares Outstanding	2,835	2,835	2,787	2,411	2,700	1,024
Book Value Per Share	10686.67	10686.67	9411.28	7742.31	5063.60	5744.51
Tangible Book Value	29,240,420	29,240,420	25,164,286	17,586,392	12,539,544	5,775,881
Tangible Book Value Per Share	10314.09	10314.09	9028.14	7295.58	4644.73	5642.95

Source: S&P Capital IQ. Banks template. Financial Sources.