HOSE:TCB Income Statement

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
Interest Income on Loans	68,017,450	60,089,462	56,707,759	44,752,636	35,503,251
Interest Paid on Deposits	29,862,359	24,581,499	29,016,639	14,462,861	8,804,638
Net Interest Income	38,155,091	35,507,963	27,691,120	30,289,775	26,698,613
Net Interest Income Growth (YoY)	7.46%	28.23%	-8.58%	13.45%	42.38%
Income From Trading Activities	51,974	81,301	64,620	183,708	1,956,713
Gain (Loss) on Sale of Assets	-	1,732,136	731,027	-	-
Gain (Loss) on Sale of Investments	2,846,321	2,359,057	925,833	-	-489
Other Non-Interest Income	12,337,739	7,309,940	10,648,492	10,053,708	8,420,965
Total Non-Interest Income	15,236,034	11,482,434	12,369,972	10,237,416	10,377,189
Non-Interest Income Growth (YoY)	32.69%	-7.17%	20.83%	-1.35%	20.28%
Revenues Before Loan Losses	53,391,125	46,990,397	40,061,092	40,527,191	37,075,802
Provision for Loan Losses	4,420,625	4,082,294	3,921,068	1,936,294	2,664,603
Revenue	48,970,500	42,908,103	36,140,024	38,590,897	34,411,199
Revenue Growth (YoY)	14.13%	18.73%	-6.35%	12.15%	38.94%
Salaries and Employee Benefits	7,109,261	6,894,019	6,573,569	6,515,485	6,356,228
Occupancy Expenses	2,376,711	2,022,001	1,614,355	1,088,350	939,444
Federal Deposit Insurance	656,759	528,077	422,573	347,127	313,727
Selling, General & Administrative	4,360,183	4,246,228	3,066,199	3,585,822	2,816,131
Other Non-Interest Expense	1,912,139	1,679,410	1,575,100	1,486,345	747,376
Total Non-Interest Expense	16,415,053	15,369,735	13,251,796	13,023,129	11,172,906
EBT Excluding Unusual Items	32,555,447	27,538,368	22,888,228	25,567,768	23,238,293
Other Unusual Items	-17,381	-	-	-	-
Pretax Income	32,538,066	27,538,368	22,888,228	25,567,768	23,238,293
Income Tax Expense	6,583,594	5,778,264	4,697,362	5,131,342	4,822,911
Earnings From Continuing Operations	25,954,472	21,760,104	18,190,866	20,436,426	18,415,382
Minority Interest in Earnings	-664,242	-237,176	-187,064	-286,049	-363,132
Net Income	25,290,230	21,522,928	18,003,802	20,150,377	18,052,250
Preferred Dividends & Other Adjustments	-	36,000	48,000	38,500	38,000
Net Income to Common	25,290,230	21,486,928	17,955,802	20,111,877	18,014,250
Net Income Growth	17.50%	19.55%	-10.65%	11.62%	46.47%
Basic Shares Outstanding	7,086	7,047	7,045	7,026	7,013
Diluted Shares Outstanding	7,086	7,047	7,045	7,026	7,013
Shares Change (YoY)	0.56%	0.02%	0.27%	0.18%	0.18%
EPS (Basic)	3568.92	3049.26	2548.72	2862.47	2568.66
EPS (Diluted)	3568.92	3049.26	2548.72	2862.47	2568.66
EPS Growth	17.04%	19.64%	-10.96%	11.44%	46.17%
Dividend Per Share	-	1000.000	750.000	-	-
Dividend Growth	-	33.33%	-	-	-
Effective Tax Rate	20.23%	20.98%	20.52%	20.07%	20.75%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.