Vietnam Technological and Commercial Joint Stock Bank (HOSE:TCB)

HOSE:TCB Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	81,302,732	93,131,262	83,359,627	89,830,290	42,695,701	25,342,575
Investment Securities	144,386,445	136,866,752	108,428,155	87,975,307	97,932,570	83,892,717
Trading Asset Securities	4,138,394	9,000,644	4,576,389	961,034	5,364,580	8,347,576
Total Investments	148,524,839	145,867,396	113,004,544	88,936,341	103,297,150	92,240,293
Gross Loans	719,894,834	649,664,491	590,981,508	476,354,347	402,905,717	297,918,733
Allowance for Loan Losses	-9,697,923	-8,333,937	-6,871,088	-5,620,947	-4,367,659	-2,328,021
Net Loans	710,196,911	641,330,554	584,110,420	470,733,400	398,538,058	295,590,712
Property, Plant & Equipment	6,429,118	6,722,311	7,497,896	6,145,923	4,875,890	1,470,942
Goodwill	20,735	-	-	-	-	-
Other Intangible Assets	5,918,795	5,890,186	5,365,111	4,714,570	3,595,749	3,142,481
Investments in Real Estate	-	-	-	1,053,124	1,088,924	1,124,724
Accrued Interest Receivable	9,363,510	8,127,646	9,682,822	8,030,412	5,809,483	5,184,822
Other Receivables	1,401,709	881,660	3,784,027	3,894,218	312,183	334,800
Restricted Cash	48,485,657	54,353,153	27,140,592	11,475,590	4,908,529	10,253,324
Other Current Assets	14,778,587	11,571,660	4,182,086	3,986,298	2,824,641	1,723,391
Long-Term Deferred Tax Assets	77,679	79,856	70,409	61,050	17,460	-
Other Long-Term Assets	11,145,123	10,842,865	11,284,478	10,171,328	765,182	3,194,869
Total Assets	1,037,645,395	978,798,549	849,482,012	699,032,544	568,728,950	439,602,933
Accounts Payable	-	-	-	721,509	527,635	374,755
Accrued Expenses	4,083,855	5,762,871	4,478,604	3,931,475	3,342,201	2,437,224
Interest Bearing Deposits	443,998,556	604,851,381	504,594,330	418,928,571	359,841,317	297,808,411
Non-Interest Bearing Deposits	192,767,743	763,334	686,258	776,778	518,192	882,329
Total Deposits	636,766,299	605,614,715	505,280,588	419,705,349	360,359,509	298,690,740
Short-Term Borrowings	1,092,859	931,231	-	1,851,213	-	266,926
Current Portion of Long-Term Debt	24,500,006	22,000,006	10,900,007	-	-	-
Current Income Taxes Payable	2,005,942	5,420,051	3,721,661	4,067,184	1,190,015	1,179,555
Accrued Interest Payable	7,464,091	7,281,567	9,418,750	6,144,022	3,121,881	3,252,009
Other Current Liabilities	-	-	-	1,703,887	3,900,432	700,510
Long-Term Debt	195,094,103	181,109,409	180,771,239	145,548,720	100,532,373	54,152,363
Long-Term Unearned Revenue	1,008,511	744,828	517,688	555,710	677,437	755,486
Other Long-Term Liabilities	3,802,500	1,994,250	2,777,410	1,378,509	2,035,995	3,178,579
Total Liabilities	875,818,166	830,858,928	717,865,947	585,607,578	475,687,478	364,988,147
Common Stock	70,648,517	70,648,517	35,225,108	35,172,385	35,109,148	35,049,062
Additional Paid-In Capital	-	-	476,356	476,415	476,474	476,507
Retained Earnings	79,200,992	67,006,137	94,041,297	76,090,780	56,608,478	38,604,977
Comprehensive Income & Other	7,764,501	7,764,501	556,471	556,471	474	474
Total Common Equity	157,614,010	145,419,155	130,299,232	112,296,051	92,194,574	74,131,020
Minority Interest	4,213,219	2,520,466	1,316,833	1,128,915	846,898	483,766
Shareholders' Equity	161,827,229	147,939,621	131,616,065	113,424,966	93,041,472	74,614,786
Total Liabilities & Equity	1,037,645,395	978,798,549	849,482,012	699,032,544	568,728,950	439,602,933
Total Debt	220,686,968	204,040,646	191,671,246	147,399,933	100,532,373	54,419,289
Net Cash (Debt)	-132,445,163	-99,176,634	-102,443,184	-56,607,609	-51,994,926	-20,524,038
Net Cash Per Share	-18747.05	-14074.41	-14541.22	-8056.81	-7413.97	-2931.72
Filing Date Shares Outstanding	7,065	7,065	7,045	7,034	7,022	7,010
Total Common Shares Outstanding	7,065	7,065	7,045	7,034	7,022	7,010
Book Value Per Share	22309.60	20583.47	18495.22	15963.67	13129.71	10575.32
Tangible Book Value	151,674,480	139,528,969	124,934,121	107,581,481	88,598,825	70,988,539
Tangible Book Value Per Share	21468.88	19749.74	17733.67	15293.46	12617.63	10127.02

Updated Mar 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.