HOSE:STB Balance Sheet

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	176,413,325	88,848,900	59,095,832	34,181,832	17,956,387
Investment Securities	92,211,670	85,730,381	74,718,487	68,889,499	69,755,897
Trading Asset Securities	234,999	-	-	109,858	-
Total Investments	92,446,669	85,730,381	74,718,487	68,999,357	69,755,897
Gross Loans	627,890,579	546,921,587	482,979,410	439,100,624	388,955,032
Allowance for Loan Losses	-20,055,945	-8,866,655	-7,562,014	-5,652,252	-7,014,476
Net Loans	607,834,634	538,054,932	475,417,396	433,448,372	381,940,556
Property, Plant & Equipment	4,132,288	4,375,198	5,234,281	5,144,567	5,005,955
Other Intangible Assets	2,912,327	2,979,930	2,986,668	3,057,882	3,676,602
Investments in Real Estate	14,521	-	-	-	-
Accrued Interest Receivable	5,668,785	5,239,563	4,963,937	4,775,486	9,490,987
Other Receivables	6,562,597	3,190,535	35,267,985	25,393,565	15,903,804
Restricted Cash	18,059,258	17,644,155	11,411,884	10,922,463	10,114,238
Other Current Assets	-	-	2,199,846	3,067,167	2,747,289
Long-Term Deferred Tax Assets	552,729	542,460	397,824	242,847	405,006
Other Real Estate Owned & Foreclosed	-	-	1,516,872	1,562,790	2,996,238
Other Long-Term Assets	2,522,670	1,488,492	93,409	75,225	257,217
Total Assets	917,119,803	748,094,546	674,389,660	591,907,695	521,117,123
Accounts Payable	-	-	-	57,894	86,040
Accrued Expenses	2,846,942	2,123,386	3,600,726	3,269,136	2,542,886
Interest Bearing Deposits	699,655,745	548,389,247	470,467,053	491,140,079	455,771,455
Non-Interest Bearing Deposits	104,995,599	111,569,400	101,918,691	4,572,634	2,045,127
Total Deposits	804,651,344	659,958,647	572,385,744	495,712,713	457,816,582
Short-Term Borrowings	-	54,007	91,459	-	108,003
Current Portion of Long-Term Debt	37,786	-	10,081	-	-
Current Income Taxes Payable	-	-	1,061,338	311,593	334,773
Accrued Interest Payable	11,245,693	8,510,442	12,069,907	7,874,317	6,466,151
Other Current Liabilities	-	-	7,794,175	4,790,576	2,031,829
Long-Term Debt	31,689,889	14,835,246	5,896,477	24,141,817	6,839,637
Long-Term Unearned Revenue	-	-	135,312	314,756	591,600
Long-Term Deferred Tax Liabilities	26,010	29,811	29,660	29,460	28,418
Other Long-Term Liabilities	6,755,395	7,610,937	25,580,917	16,778,437	10,009,868
Total Liabilities	857,253,059	693,122,476	628,655,796	553,280,699	486,855,787
Common Stock	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	1,747,651
Retained Earnings	31,294,226	28,426,115	20,386,614	18,194,906	13,622,391
Comprehensive Income & Other	7,972,710	5,946,147	4,747,442	-167,718	39,137
Shareholders' Equity	59,866,744	54,972,070	45,733,864	38,626,996	34,261,336
Total Liabilities & Equity	917,119,803	748,094,546	674,389,660	591,907,695	521,117,123
Total Debt	31,727,675	14,889,253	5,998,017	24,141,817	6,947,640
Net Cash (Debt)	144,920,649	73,959,647	53,097,815	10,149,873	11,008,747
Net Cash Growth	95.95%	39.29%	423.14%	-7.80%	-51.22%
Net Cash Per Share	76872.18	39231.40	28165.38	5383.93	5976.10
Filing Date Shares Outstanding	1,885	1,885	1,885	1,885	1,885
Total Common Shares Outstanding	1,885	1,885	1,885	1,885	1,885
Book Value Per Share	31755.91	29159.56	24259.22	20489.43	18173.70
Tangible Book Value	56,954,417	51,992,140	42,747,196	35,569,114	30,584,734
Tangible Book Value Per Share	30211.09	27578.88	22674.96	18867.40	16223.47

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