Saigon Thuong Tin Commercial Joint Stock Bank (HOSE:STB)

HOSE:STB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	56,054,252	49,988,721	55,927,329	37,390,848	29,690,736	33,587,667
Interest Paid on Deposits	28,632,452	25,457,023	33,854,996	20,243,714	17,726,249	22,061,113
Net Interest Income	27,421,800	24,531,698	22,072,333	17,147,134	11,964,487	11,526,554
Net Interest Income Growth (YoY)	13.95%	11.14%	28.72%	43.32%	3.80%	25.55%
Income From Trading Activities	-	-	-	-19,983	163,664	94,043
Gain (Loss) on Sale of Assets	-	-	2,966	1,984,218	176,907	-
Gain (Loss) on Sale of Investments	13,024	55,481	27,647	-156	103,075	28,679
Gain (Loss) on Sale of Equity Investments	14,132	4,641	22,837	-	-	-
Other Non-Interest Income	4,323,363	4,085,232	4,041,058	7,029,921	5,399,259	5,683,539
Total Non-Interest Income	4,350,519	4,145,354	4,094,508	8,994,000	5,842,905	5,806,261
Non-Interest Income Growth (YoY)	11.45%	1.24%	-54.47%	53.93%	0.63%	6.78%
Revenues Before Loan Losses	31,772,319	28,677,052	26,166,841	26,141,134	17,807,392	17,332,815
Provision for Loan Losses	1,784,364	1,974,364	3,688,105	8,881,501	3,554,375	3,036,974
Revenue	29,987,955	26,702,688	22,478,736	17,259,633	14,253,017	14,295,841
Revenue Growth (YoY)	19.55%	18.79%	30.24%	21.09%	-0.30%	14.69%
Salaries and Employee Benefits	602,392	-	-	6,882,923	6,025,532	5,767,650
Occupancy Expenses	202,767	-	-	665,889	639,448	582,947
Selling, General & Administrative	1,647,153	1,628,937	1,437,619	-	-	-
Other Non-Interest Expense	11,701,972	12,353,386	11,446,117	3,371,749	3,188,011	4,605,964
Total Non-Interest Expense	14,373,421	13,982,323	12,883,736	10,920,561	9,852,991	10,956,561
EBT Excluding Unusual Items	15,614,534	12,720,365	9,595,000	6,339,072	4,400,026	3,339,280
Pretax Income	15,614,534	12,720,365	9,595,000	6,339,072	4,400,026	3,339,280
Income Tax Expense	3,324,883	2,632,870	1,876,384	1,298,377	988,530	657,299
Earnings From Continuing Operations	12,289,651	10,087,495	7,718,616	5,040,695	3,411,496	2,681,981
Net Income	12,289,651	10,087,495	7,718,616	5,040,695	3,411,496	2,681,981
Preferred Dividends & Other Adjustments	-	-	890,046	554,288	404,730	430,717
Net Income to Common	12,289,651	10,087,495	6,828,570	4,486,407	3,006,766	2,251,264
Net Income Growth	40.48%	30.69%	53.13%	47.76%	27.20%	9.25%
Basic Shares Outstanding	1,885	1,885	1,885	1,885	1,842	1,804
Diluted Shares Outstanding	1,885	1,885	1,885	1,885	1,842	1,804
Shares Change (YoY)	-	-	-	2.34%	2.13%	-
EPS (Basic)	6518.96	5350.84	3622.17	2379.78	1632.22	1248.17
EPS (Diluted)	6518.96	5350.84	3622.17	2379.78	1632.22	1248.17
EPS Growth	84.49%	47.73%	52.21%	45.80%	30.77%	10.57%
Effective Tax Rate	21.29%	20.70%	19.56%	20.48%	22.47%	19.68%

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