Southeast Asia Commercial Joint Stock Bank (HOSE:SSB)
Vietnam · Delayed Price · Currency is VND 15,200
-250 (-1.62%)
At close: Aug 13, 2026
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 | 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 |
Interest Income on Loans | 27,476,189 | 24,569,893 | 20,716,605 | 19,718,490 | 15,149,800 | 11,804,488 |
Interest Paid on Deposits | 18,023,813 | 14,866,059 | 10,750,195 | 12,647,771 | 8,143,873 | 6,618,395 |
Net Interest Income | 9,452,376 | 9,703,834 | 9,966,410 | 7,070,719 | 7,005,927 | 5,186,093 |
Net Interest Income Growth | -6.76% | -2.63% | 40.95% | 0.92% | 35.09% | 69.38% |
Income From Trading Activities | -612,572 | 217,406 | -172,141 | 109,180 | 228,111 | 58,462 |
Gain (Loss) on Sale of Investments | 268,721 | 268,721 | 321,407 | 129,239 | 621,497 | 333,508 |
Other Non-Interest Income | 4,503,034 | 3,923,729 | 2,293,323 | 2,115,432 | 1,792,036 | 1,485,038 |
Total Non-Interest Income | 1,551,780 | 4,409,856 | 2,442,589 | 2,353,851 | 2,641,644 | 1,877,008 |
Non-Interest Income Growth | -67.48% | 80.54% | 3.77% | -10.89% | 40.74% | 23.33% |
Revenues Before Loan Losses | 11,004,156 | 14,113,690 | 12,408,999 | 9,424,570 | 9,647,571 | 7,063,101 |
Provision for Loan Losses | 2,769,599 | 2,585,848 | 2,239,382 | 1,200,285 | 1,174,738 | 1,237,838 |
| 8,234,557 | 11,527,842 | 10,169,617 | 8,224,285 | 8,472,833 | 5,825,263 | |
Revenue Growth | -36.31% | 13.36% | 23.65% | -2.93% | 45.45% | 49.12% |
Salaries and Employee Benefits | 2,544,020 | 2,699,925 | 2,113,460 | 1,856,595 | 1,800,099 | 1,316,617 |
Occupancy Expenses | 180,785 | 180,760 | 140,309 | 671,177 | 568,183 | 413,182 |
Federal Deposit Insurance | 154,646 | 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 | 817,822 | 826,255 | 1,009,060 | 653,260 | 643,637 | 409,085 |
Other Non-Interest Expense | 826,842 | 803,591 | 660,379 | 238,079 | 220,684 | 234,552 |
Total Non-Interest Expense | 4,524,115 | 4,659,453 | 4,130,218 | 3,607,727 | 3,403,847 | 2,556,725 |
EBT Excluding Unusual Items | 3,710,442 | 6,868,389 | 6,039,399 | 4,616,558 | 5,068,986 | 3,268,538 |
Pretax Income | 3,710,442 | 6,868,389 | 6,039,399 | 4,616,558 | 5,068,986 | 3,268,538 |
Income Tax Expense | 725,110 | 1,358,850 | 1,223,373 | 939,603 | 1,016,058 | 662,020 |
Net Income | 2,985,332 | 5,509,539 | 4,816,026 | 3,676,955 | 4,052,928 | 2,606,518 |
Preferred Dividends & Other Adjustments | -7,581 | 165,286 | 235,000 | 110,010 | 116,336 | 18,419 |
Net Income to Common | 2,992,913 | 5,344,253 | 4,581,026 | 3,566,945 | 3,936,592 | 2,588,099 |
Net Income Growth | -53.92% | 16.66% | 28.43% | -9.39% | 52.10% | 93.41% |
Basic Shares Outstanding | 3,428 | 3,427 | 3,417 | 3,368 | 3,437 | 3,027 |
Diluted Shares Outstanding | 3,428 | 3,427 | 3,417 | 3,368 | 3,437 | 3,027 |
Shares Change | 0.22% | 0.29% | 1.46% | -2.01% | 13.53% | 12.00% |
EPS (Basic) | 872.96 | 1559.60 | 1340.76 | 1059.18 | 1145.45 | 854.99 |
EPS (Diluted) | 872.96 | 1559.60 | 1340.76 | 1059.18 | 1145.45 | 854.99 |
EPS Growth | -54.02% | 16.32% | 26.58% | -7.53% | 33.97% | 72.69% |
Effective Tax Rate | 19.54% | 19.78% | 20.26% | 20.35% | 20.04% | 20.25% |