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Saigon Treasure Commercial Joint Stock Bank (HOSE:STB)
Vietnam flag Vietnam · Delayed Price · Currency is VND
66,600
+1,500 (2.30%)
At close: Nov 3, 2026

HOSE:STB Balance Sheet

Millions VND. Fiscal year is Jan - Dec.

Assets

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
208,213,959176,413,32588,848,90059,095,83234,181,83217,956,387
Investment Securities
118,918,85892,211,67085,730,38174,718,48768,889,49969,755,897
Trading Asset Securities
861,219234,999--109,858-
Total Investments
119,780,07792,446,66985,730,38174,718,48768,999,35769,755,897
Gross Loans
705,650,287627,890,579546,921,587482,979,410439,100,624388,955,032
Allowance for Loan Losses
-17,890,003-20,055,945-8,866,655-7,562,014-5,652,252-7,014,476
Net Loans
687,760,284607,834,634538,054,932475,417,396433,448,372381,940,556
Property, Plant & Equipment
3,957,7944,132,2884,375,1985,234,2815,144,5675,005,955
Other Intangible Assets
2,932,1442,912,3272,979,9302,986,6683,057,8823,676,602
Investments in Real Estate
13,04914,521----
Accrued Interest Receivable
9,855,9065,668,7855,239,5634,963,9374,775,4869,490,987
Other Receivables
5,709,0216,562,5973,190,53535,267,98525,393,56515,903,804
Restricted Cash
16,270,64618,059,25817,644,15511,411,88410,922,46310,114,238
Other Current Assets
---2,199,8463,067,1672,747,289
Long-Term Deferred Tax Assets
552,610552,729542,460397,824242,847405,006
Other Real Estate Owned & Foreclosed
---1,516,8721,562,7902,996,238
Other Long-Term Assets
2,352,3502,522,6701,488,49293,40975,225257,217
Total Assets
1,057,397,840917,119,803748,094,546674,389,660591,907,695521,117,123

Liabilities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Accounts Payable
----57,89486,040
Accrued Expenses
2,830,3942,846,9422,123,3863,600,7263,269,1362,542,886
Interest Bearing Deposits
750,501,864699,655,745548,389,247470,467,053491,140,079455,771,455
Non-Interest Bearing Deposits
161,404,596104,995,599111,569,400101,918,6914,572,6342,045,127
Total Deposits
911,906,460804,651,344659,958,647572,385,744495,712,713457,816,582
Short-Term Borrowings
--54,00791,459-108,003
Current Portion of Long-Term Debt
23,04537,786-10,081--
Current Income Taxes Payable
---1,061,338311,593334,773
Accrued Interest Payable
15,880,85411,245,6938,510,44212,069,9077,874,3176,466,151
Other Current Liabilities
---7,794,1754,790,5762,031,829
Long-Term Debt
53,544,26631,689,88914,835,2465,896,47724,141,8176,839,637
Long-Term Unearned Revenue
---135,312314,756591,600
Long-Term Deferred Tax Liabilities
26,01126,01029,81129,66029,46028,418
Other Long-Term Liabilities
9,050,1716,755,3957,610,93725,580,91716,778,43710,009,868
Total Liabilities
993,261,201857,253,059693,122,476628,655,796553,280,699486,855,787

Shareholders' Equity

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Common Stock
18,852,15718,852,15718,852,15718,852,15718,852,15718,852,157
Additional Paid-In Capital
1,747,6511,747,6511,747,6511,747,6511,747,6511,747,651
Retained Earnings
34,419,17031,294,22628,426,11520,386,61418,194,90613,622,391
Comprehensive Income & Other
9,117,6617,972,7105,946,1474,747,442-167,71839,137
Shareholders' Equity
64,136,63959,866,74454,972,07045,733,86438,626,99634,261,336
Total Liabilities & Equity
1,057,397,840917,119,803748,094,546674,389,660591,907,695521,117,123

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Total Debt
53,567,31131,727,67514,889,2535,998,01724,141,8176,947,640
Net Cash (Debt)
155,507,867144,920,64973,959,64753,097,81510,149,87311,008,747
Net Cash Growth
46.70%95.95%39.29%423.14%-7.80%-51.22%
Net Cash Per Share
82488.1076872.1839231.4028165.385383.935976.10
Filing Date Shares Outstanding
1,8851,8851,8851,8851,8851,885
Total Common Shares Outstanding
1,8851,8851,8851,8851,8851,885
Book Value Per Share
34020.8531755.9129159.5624259.2220489.4318173.70
Tangible Book Value
61,204,49556,954,41751,992,14042,747,19635,569,11430,584,734
Tangible Book Value Per Share
32465.5130211.0927578.8822674.9618867.4016223.47