Saigon Treasure Commercial Joint Stock Bank (HOSE:STB)
Vietnam · Delayed Price · Currency is VND 73,100
-1,000 (-1.35%)
At close: Aug 13, 2026
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 | Jun '26 Jun 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 | 61,605,434 | 57,480,853 | 49,988,721 | 55,927,329 | 37,390,848 | 29,690,736 |
Interest Paid on Deposits | 36,083,781 | 30,800,235 | 25,457,023 | 33,854,996 | 20,243,714 | 17,726,249 |
Net Interest Income | 25,521,653 | 26,680,618 | 24,531,698 | 22,072,333 | 17,147,134 | 11,964,487 |
Net Interest Income Growth | -1.51% | 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 | -9,901 | -8,925 | 55,481 | 27,647 | -156 | 103,075 |
Gain (Loss) on Sale of Equity Investments | 19,124 | 20,214 | 4,641 | 22,837 | - | - |
Other Non-Interest Income | 8,447,959 | 5,364,539 | 4,085,232 | 4,041,058 | 7,029,921 | 5,399,259 |
Total Non-Interest Income | 8,457,182 | 5,375,828 | 4,145,354 | 4,094,508 | 8,994,000 | 5,842,905 |
Non-Interest Income Growth | 96.63% | 29.68% | 1.24% | -54.47% | 53.93% | 0.63% |
Revenues Before Loan Losses | 33,978,835 | 32,056,446 | 28,677,052 | 26,166,841 | 26,141,134 | 17,807,392 |
Provision for Loan Losses | 17,395,099 | 11,383,775 | 1,974,364 | 3,688,105 | 8,881,501 | 3,554,375 |
| 16,583,736 | 20,672,671 | 26,702,688 | 22,478,736 | 17,259,633 | 14,253,017 | |
Revenue Growth | -41.35% | -22.58% | 18.79% | 30.24% | 21.09% | -0.30% |
Salaries and Employee Benefits | 6,734,798 | 6,985,597 | 7,419,161 | 6,869,829 | 6,882,923 | 6,025,532 |
Occupancy Expenses | 2,712,492 | 2,742,993 | 2,728,478 | - | 665,889 | 639,448 |
Federal Deposit Insurance | 749,436 | 726,043 | 661,041 | - | - | - |
Selling, General & Administrative | 178,736 | 178,736 | 154,091 | 1,437,619 | - | - |
Other Non-Interest Expense | 1,775,425 | 2,411,277 | 3,019,552 | 4,576,288 | 3,371,749 | 3,188,011 |
Total Non-Interest Expense | 12,150,887 | 13,044,646 | 13,982,323 | 12,883,736 | 10,920,561 | 9,852,991 |
EBT Excluding Unusual Items | 4,432,849 | 7,628,025 | 12,720,365 | 9,595,000 | 6,339,072 | 4,400,026 |
Pretax Income | 4,432,849 | 7,628,025 | 12,720,365 | 9,595,000 | 6,339,072 | 4,400,026 |
Income Tax Expense | 1,352,933 | 1,688,914 | 2,632,870 | 1,876,384 | 1,298,377 | 988,530 |
Net Income | 3,079,916 | 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 | 3,079,916 | 5,939,111 | 8,957,401 | 6,828,570 | 4,486,407 | 3,006,766 |
Net Income Growth | -70.55% | -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) | 1633.72 | 3150.36 | 4751.39 | 3622.17 | 2379.78 | 1632.22 |
EPS (Diluted) | 1633.72 | 3150.36 | 4751.39 | 3622.17 | 2379.78 | 1632.22 |
EPS Growth | -70.55% | -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 | Jun '26 Jun 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 | 30.52% | 22.14% | 20.70% | 19.56% | 20.48% | 22.47% |