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

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	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	78,253,597	59,095,832	34,181,832	17,956,387	26,813,979	22,079,411
Investment Securities	86,200,325	74,718,487	68,889,499	69,755,897	75,280,720	76,601,351
Trading Asset Securities	138,180	-	109,858	-	19,677	24,465
Total Investments	86,338,505	74,718,487	68,999,357	69,755,897	75,300,397	76,625,816
Gross Loans	516,818,266	482,979,410	439,100,624	388,955,032	341,335,674	296,902,637
Allowance for Loan Losses	-8,751,700	-7,562,014	-5,652,252	-7,014,476	-5,415,951	-3,974,375
Net Loans	508,066,566	475,417,396	433,448,372	381,940,556	335,919,723	292,928,262
Property, Plant & Equipment	4,295,099	5,234,281	5,144,567	5,005,955	5,139,481	5,338,348
Other Intangible Assets	2,978,303	2,986,668	3,057,882	3,676,602	3,828,940	3,592,581
Accrued Interest Receivable	5,517,865	4,912,437	4,775,486	9,490,987	17,043,268	19,030,495
Other Receivables	15,260,148	35,319,485	25,393,565	15,903,804	12,951,407	15,356,269
Restricted Cash	14,973,908	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	387,441	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	1,241,339	93,409	75,225	257,217	275,489	271,485
Total Assets	717,312,771	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	-	3,600,726	3,269,136	2,542,886	2,001,458	848,001
Interest Bearing Deposits	588,136,385	563,720,006	491,140,079	455,771,455	442,011,741	410,542,958
Non-Interest Bearing Deposits	9,766,109	8,665,738	4,572,634	2,045,127	1,092,626	191,135
Total Deposits	597,902,494	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	625,827	10,081	-	-	-	83,606
Current Income Taxes Payable	-	1,061,338	311,593	334,773	540,819	340,379
Accrued Interest Payable	8,470,791	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	43,011,549	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	18,194,501	25,317,754	16,778,437	10,009,868	4,617,227	2,630,528
Total Liabilities	668,234,822	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	28,709,462	25,357,771	18,194,906	13,622,391	10,640,127	8,375,465
Treasury Stock	-	-	-	-	-750,911	-750,911
Comprehensive Income & Other	-231,321	-223,715	-167,718	39,137	151,257	201,317
Total Common Equity	49,077,949	45,733,864	38,626,996	34,261,336	28,956,242	26,741,640
Shareholders' Equity	49,077,949	45,733,864	38,626,996	34,261,336	28,956,242	26,741,640
Total Liabilities & Equity	717,312,771	674,389,660	591,907,695	521,117,123	492,516,029	453,581,057
Total Debt	43,637,376	5,998,017	24,141,817	6,947,640	4,264,602	3,451,040
Net Cash (Debt)	34,754,401	53,097,815	10,149,873	11,008,747	22,569,054	18,652,836
Net Cash Growth	120.90%	423.14%	-7.80%	-51.22%	21.00%	8805.29%
Net Cash Per Share	18435.24	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	26033.07	24259.22	20489.43	18173.70	16054.22	14826.37
Tangible Book Value	46,099,646	42,747,196	35,569,114	30,584,734	25,127,302	23,149,059
Tangible Book Value Per Share	24453.25	22674.96	18867.40	16223.47	13931.34	12834.54

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