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

HOSE: STB Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	68,987,867	59,095,832	34,181,832	17,956,387	26,813,979	22,079,411
Investment Securities	82,953,686	74,718,487	68,889,499	69,755,897	75,280,720	76,601,351
Trading Asset Securities	35,667	-	109,858	-	19,677	24,465
Total Investments	82,989,353	74,718,487	68,999,357	69,755,897	75,300,397	76,625,816
Gross Loans	525,691,929	482,979,410	439,100,624	388,955,032	341,335,674	296,902,637
Allowance for Loan Losses	-9,754,734	-7,562,014	-5,652,252	-7,014,476	-5,415,951	-3,974,375
Net Loans	515,937,195	475,417,396	433,448,372	381,940,556	335,919,723	292,928,262
Property, Plant & Equipment	4,360,032	5,234,281	5,144,567	5,005,955	5,139,481	5,338,348
Other Intangible Assets	3,024,559	2,986,668	3,057,882	3,676,602	3,828,940	3,592,581
Accrued Interest Receivable	5,680,059	4,912,437	4,775,486	9,490,987	17,043,268	19,030,495
Other Receivables	4,841,499	35,319,485	25,393,565	15,903,804	12,951,407	15,356,269
Restricted Cash	15,450,839	11,411,884	10,922,463	10,114,238	8,560,941	11,016,629
Other Current Assets	-	2,199,846	3,067,167	2,747,289	2,148,544	617,349
Long-Term Deferred Tax Assets	387,135	397,824	242,847	405,006	450,454	159,813
Other Real Estate Owned & Foreclosed	-	1,516,872	1,562,790	2,996,238	3,061,553	5,210,478
Other Long-Term Assets	1,327,058	93,409	75,225	257,217	275,489	271,485
Total Assets	702,985,596	674,389,660	591,907,695	521,117,123	492,516,029	453,581,057
Accounts Payable	-	66,762	57,894	86,040	57,238	182,302
Accrued Expenses	2,125,099	3,600,726	3,269,136	2,542,886	2,001,458	848,001
Interest Bearing Deposits	584,892,948	563,720,006	491,140,079	455,771,455	442,011,741	410,542,958
Non-Interest Bearing Deposits	9,504,953	8,665,738	4,572,634	2,045,127	1,092,626	191,135
Total Deposits	594,397,901	572,385,744	495,712,713	457,816,582	443,104,367	410,734,093
Short-Term Borrowings	-	91,459	-	108,003	-	-
Current Portion of Long-Term Debt	605,869	10,081	-	-	-	83,606
Current Income Taxes Payable	-	1,061,338	311,593	334,773	540,819	340,379
Accrued Interest Payable	8,249,638	12,069,907	7,874,317	6,466,151	7,374,043	7,434,516
Other Current Liabilities	-	7,794,175	4,790,576	2,031,829	1,449,794	876,547
Long-Term Debt	39,047,967	5,896,477	24,141,817	6,839,637	4,264,602	3,367,434
Long-Term Unearned Revenue	-	331,713	314,756	591,600	124,696	316,549
Long-Term Deferred Tax Liabilities	29,660	29,660	29,460	28,418	25,543	25,462
Other Long-Term Liabilities	7,248,962	25,317,754	16,778,437	10,009,868	4,617,227	2,630,528
Total Liabilities	651,705,096	628,655,796	553,280,699	486,855,787	463,559,787	426,839,417
Common Stock	18,852,157	18,852,157	18,852,157	18,852,157	18,852,157	18,852,157
Additional Paid-In Capital	1,747,651	1,747,651	1,747,651	1,747,651	63,612	63,612
Retained Earnings	30,910,635	25,357,771	18,194,906	13,622,391	10,640,127	8,375,465
Treasury Stock	-	-	-	-	-750,911	-750,911
Comprehensive Income & Other	-229,943	-223,715	-167,718	39,137	151,257	201,317
Total Common Equity	51,280,500	45,733,864	38,626,996	34,261,336	28,956,242	26,741,640
Shareholders' Equity	51,280,500	45,733,864	38,626,996	34,261,336	28,956,242	26,741,640
Total Liabilities & Equity	702,985,596	674,389,660	591,907,695	521,117,123	492,516,029	453,581,057
Total Debt	39,653,836	5,998,017	24,141,817	6,947,640	4,264,602	3,451,040
Net Cash (Debt)	29,369,698	53,097,815	10,149,873	11,008,747	22,569,054	18,652,836
Net Cash Growth	-	423.14%	-7.80%	-51.22%	21.00%	8805.29%
Net Cash Per Share	15578.96	28165.38	5383.93	5976.10	12512.97	10341.70
Filing Date Shares Outstanding	1,885	1,885	1,885	1,885	1,804	1,804
Total Common Shares Outstanding	1,885	1,885	1,885	1,885	1,804	1,804
Book Value Per Share	27201.40	24259.22	20489.43	18173.70	16054.22	14826.37
Tangible Book Value	48,255,941	42,747,196	35,569,114	30,584,734	25,127,302	23,149,059
Tangible Book Value Per Share	25597.04	22674.96	18867.40	16223.47	13931.34	12834.54

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