HOSE:STB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Interest Income on Loans	64,193,661	57,480,853	49,988,721	55,927,329	37,390,848	29,690,736
Interest Paid on Deposits	41,318,447	30,800,235	25,457,023	33,854,996	20,243,714	17,726,249
Net Interest Income	22,875,214	26,680,618	24,531,698	22,072,333	17,147,134	11,964,487
Net Interest Income Growth	-16.58%	8.76%	11.14%	28.72%	43.32%	3.80%
Income From Trading Activities	-	-	-	-	-19,983	163,664
Gain (Loss) on Sale of Assets	-	-	-	2,966	1,984,218	176,907
Gain (Loss) on Sale of Investments	-1,150	-8,925	55,481	27,647	-156	103,075
Gain (Loss) on Sale of Equity Investments	24,638	20,214	4,641	22,837	-	-
Other Non-Interest Income	12,589,404	5,364,539	4,085,232	4,041,058	7,029,921	5,399,259
Total Non-Interest Income	12,612,892	5,375,828	4,145,354	4,094,508	8,994,000	5,842,905
Non-Interest Income Growth	189.92%	29.68%	1.24%	-54.47%	53.93%	0.63%
Revenues Before Loan Losses	35,488,106	32,056,446	28,677,052	26,166,841	26,141,134	17,807,392
Provision for Loan Losses	22,079,804	11,383,775	1,974,364	3,688,105	8,881,501	3,554,375
Revenue	13,408,302	20,672,671	26,702,688	22,478,736	17,259,633	14,253,017
Revenue Growth	-55.29%	-22.58%	18.79%	30.24%	21.09%	-0.30%
Salaries and Employee Benefits	5,866,850	6,985,597	7,419,161	6,869,829	6,882,923	6,025,532
Occupancy Expenses	2,449,331	2,742,993	2,728,478	-	665,889	639,448
Federal Deposit Insurance	577,882	726,043	661,041	-	-	-
Selling, General & Administrative	205,297	178,736	154,091	1,437,619	-	-
Other Non-Interest Expense	1,775,666	2,411,277	3,019,552	4,576,288	3,371,749	3,188,011
Total Non-Interest Expense	10,875,026	13,044,646	13,982,323	12,883,736	10,920,561	9,852,991
EBT Excluding Unusual Items	2,533,276	7,628,025	12,720,365	9,595,000	6,339,072	4,400,026
Pretax Income	2,533,276	7,628,025	12,720,365	9,595,000	6,339,072	4,400,026
Income Tax Expense	1,007,960	1,688,914	2,632,870	1,876,384	1,298,377	988,530
Net Income	1,525,316	5,939,111	10,087,495	7,718,616	5,040,695	3,411,496
Preferred Dividends & Other Adjustments	-	-	1,130,094	890,046	554,288	404,730
Net Income to Common	1,525,316	5,939,111	8,957,401	6,828,570	4,486,407	3,006,766
Net Income Growth	-86.33%	-33.70%	31.18%	52.21%	49.21%	33.56%
Basic Shares Outstanding	1,885	1,885	1,885	1,885	1,885	1,842
Diluted Shares Outstanding	1,885	1,885	1,885	1,885	1,885	1,842
Shares Change	-	-	-	-	2.34%	2.13%
EPS (Basic)	809.09	3150.36	4751.39	3622.17	2379.78	1632.22
EPS (Diluted)	809.09	3150.36	4751.39	3622.17	2379.78	1632.22
EPS Growth	-86.33%	-33.70%	31.18%	52.21%	45.80%	30.77%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Effective Tax Rate	39.79%	22.14%	20.70%	19.56%	20.48%	22.47%