Southeast Asia Commercial Joint Stock Bank (HOSE:SSB)
Vietnam · Delayed Price · Currency is VND 17,100
+1,100 (6.88%)
At close: Aug 28, 2026
HOSE:SSB Balance Sheet
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
Assets
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 |
Cash & Equivalents | 119,809,819 | 92,307,569 | 68,883,426 | 46,659,323 | 42,500,272 | 36,309,520 |
Investment Securities | 28,089,220 | 25,501,368 | 19,694,524 | 14,348,658 | 8,708,258 | 16,904,873 |
Trading Asset Securities | 6,877,293 | 11,444,995 | 8,866,716 | 8,353,236 | 3,987,085 | 13,082,630 |
Total Investments | 34,966,513 | 36,946,363 | 28,561,240 | 22,701,894 | 12,695,343 | 29,987,503 |
Gross Loans | 254,337,052 | 237,227,100 | 211,678,903 | 182,642,443 | 157,561,937 | 134,945,144 |
Allowance for Loan Losses | -3,797,033 | -3,266,690 | -3,281,433 | -2,978,019 | -2,433,009 | -1,781,617 |
Net Loans | 250,540,019 | 233,960,410 | 208,397,470 | 179,664,424 | 155,128,928 | 133,163,527 |
Property, Plant & Equipment | 490,746 | 512,464 | 488,465 | 551,265 | 427,189 | 286,268 |
Goodwill | - | - | 267,021 | 338,226 | 409,431 | 480,637 |
Other Intangible Assets | 958,750 | 976,880 | 878,565 | 718,033 | 658,503 | 596,235 |
Investments in Real Estate | 216,257 | 76,960 | 54,010 | 56,584 | 58,047 | 65,564 |
Accrued Interest Receivable | 6,103,722 | 3,091,938 | 2,581,613 | 3,318,857 | 2,594,093 | 1,679,591 |
Other Receivables | 2,108,877 | - | - | 7,092,858 | 5,490,462 | 1,991,841 |
Restricted Cash | 8,100,852 | 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 | 3,811,955 | 4,098,072 | 4,287,370 | 2,220,556 | 1,633,937 | 106,302 |
Total Assets | 427,107,510 | 396,443,131 | 325,698,848 | 266,121,915 | 231,423,056 | 211,663,515 |
Liabilities
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 |
Accrued Expenses | 522,078 | 385,083 | 242,006 | 167,114 | 66,308 | 30,877 |
Interest Bearing Deposits | 268,315,698 | 234,199,971 | 182,140,505 | 168,378,313 | 141,828,127 | 124,576,621 |
Non-Interest Bearing Deposits | 39,284,675 | 42,906,861 | 42,074,805 | 23,508,492 | 17,984,909 | 20,760,748 |
Total Deposits | 307,600,373 | 277,106,832 | 224,215,310 | 191,886,805 | 159,813,036 | 145,337,369 |
Short-Term Borrowings | 12,900,674 | 19,045,501 | 303,574 | 107,131 | 14,963 | 47,804 |
Current Portion of Long-Term Debt | 37,425,539 | 27,334,277 | 31,064,483 | 16,733,537 | 9,838,696 | 3,925,963 |
Current Income Taxes Payable | 421,840 | 825,791 | 812,283 | 555,416 | 434,315 | 302,044 |
Accrued Interest Payable | 4,789,313 | 3,997,234 | 2,922,277 | 3,743,466 | 3,699,830 | 2,947,979 |
Other Current Liabilities | 13,860 | 14,066 | 13,270 | 9,978 | - | - |
Long-Term Debt | 20,526,486 | 26,665,439 | 30,859,725 | 22,303,459 | 30,959,482 | 40,114,286 |
Long-Term Unearned Revenue | 2,695 | - | - | 1,718 | 517 | 634 |
Other Long-Term Liabilities | 709,365 | 696,314 | 263,065 | 316,452 | 363,689 | 293,295 |
Total Liabilities | 384,912,223 | 356,070,537 | 290,695,993 | 235,825,076 | 205,190,836 | 193,000,251 |
Shareholders' Equity
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 |
Common Stock | 34,288,000 | 28,450,000 | 28,350,000 | 24,957,000 | 20,402,983 | 14,784,884 |
Additional Paid-In Capital | 3,167 | 3,167 | 3,167 | 106,167 | 1,204,184 | 810,623 |
Retained Earnings | 7,905,752 | 11,919,427 | 6,649,688 | 5,233,672 | 4,625,053 | 3,067,757 |
Comprehensive Income & Other | -1,632 | - | - | - | - | - |
Shareholders' Equity | 42,195,287 | 40,372,594 | 35,002,855 | 30,296,839 | 26,232,220 | 18,663,264 |
Total Liabilities & Equity | 427,107,510 | 396,443,131 | 325,698,848 | 266,121,915 | 231,423,056 | 211,663,515 |
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 |
Total Debt | 70,852,699 | 73,045,217 | 62,227,782 | 39,144,127 | 40,813,141 | 44,088,053 |
Net Cash (Debt) | 55,834,413 | 30,707,347 | 15,522,360 | 15,868,432 | 5,674,216 | 5,304,097 |
Net Cash Growth | 31.15% | 97.83% | -2.18% | 179.66% | 6.98% | 4.16% |
Net Cash Per Share | 16285.59 | 8961.24 | 4543.02 | 4712.01 | 1651.05 | 1752.24 |
Filing Date Shares Outstanding | 3,429 | 3,429 | 3,417 | 3,417 | 3,359 | 2,905 |
Total Common Shares Outstanding | 3,429 | 3,429 | 3,417 | 3,417 | 3,359 | 2,905 |
Book Value Per Share | 12306.14 | 11774.56 | 10244.50 | 8867.16 | 7808.88 | 6424.07 |
Tangible Book Value | 41,236,537 | 39,395,714 | 33,857,269 | 29,240,580 | 25,164,286 | 17,586,392 |
Tangible Book Value Per Share | 12026.52 | 11489.65 | 9909.21 | 8558.02 | 7490.97 | 6053.40 |