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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	82,495,061	83,359,627	89,830,290	42,695,701	25,342,575	43,322,047
Investment Securities	106,882,888	108,428,155	87,975,307	97,932,570	83,892,717	66,161,820
Trading Asset Securities	4,793,551	4,576,389	961,034	5,364,580	8,347,576	10,041,556
Total Investments	111,676,439	113,004,544	88,936,341	103,297,150	92,240,293	76,203,376
Gross Loans	656,114,717	590,981,508	476,354,347	402,905,717	297,918,733	249,397,698
Allowance for Loan Losses	-8,704,825	-6,871,088	-5,620,947	-4,367,659	-2,328,021	-3,080,557
Net Loans	647,409,892	584,110,420	470,733,400	398,538,058	295,590,712	246,317,141
Property, Plant & Equipment	7,133,763	7,497,896	6,145,923	4,875,890	1,470,942	793,484
Other Intangible Assets	5,777,803	5,365,111	4,714,570	3,595,749	3,142,481	2,414,293
Investments in Real Estate	-	-	1,053,124	1,088,924	1,124,724	1,160,524
Accrued Interest Receivable	13,923,330	9,682,822	8,030,412	5,809,483	5,184,822	5,553,724
Other Receivables	2,240,914	3,784,027	3,894,218	312,183	334,800	317,864
Restricted Cash	40,614,749	27,140,592	11,475,590	4,908,529	10,253,324	3,192,256
Other Current Assets	13,986,025	4,182,086	3,986,298	2,824,641	1,723,391	1,315,129
Long-Term Deferred Tax Assets	73,401	70,409	61,050	17,460	-	-
Other Long-Term Assets	1,721,968	11,284,478	10,171,328	765,182	3,194,869	3,109,623
Total Assets	927,053,345	849,482,012	699,032,544	568,728,950	439,602,933	383,699,461
Accounts Payable	-	629,198	721,509	527,635	374,755	-
Accrued Expenses	4,734,991	4,478,604	3,931,475	3,342,201	2,437,224	1,627,785
Interest Bearing Deposits	391,656,513	504,594,330	418,928,571	359,841,317	297,808,411	263,513,088
Non-Interest Bearing Deposits	173,902,375	686,258	776,778	518,192	882,329	6,416,010
Total Deposits	565,558,888	505,280,588	419,705,349	360,359,509	298,690,740	269,929,098
Short-Term Borrowings	-	-	1,851,213	-	266,926	434,008
Current Portion of Long-Term Debt	16,653,723	10,900,007	-	-	-	-
Current Income Taxes Payable	4,195,701	3,721,661	4,067,184	1,190,015	1,179,555	848,194
Accrued Interest Payable	7,309,545	9,418,750	6,144,022	3,121,881	3,252,009	3,479,310
Other Current Liabilities	1,240,822	386,570	1,703,887	3,900,432	700,510	286,394
Long-Term Debt	179,419,542	180,771,239	145,548,720	100,532,373	54,152,363	40,094,932
Long-Term Unearned Revenue	403,151	517,688	555,710	677,437	755,486	277,343
Other Long-Term Liabilities	3,169,000	1,761,642	1,378,509	2,035,995	3,178,579	4,649,630
Total Liabilities	782,685,363	717,865,947	585,607,578	475,687,478	364,988,147	321,626,694
Common Stock	70,450,216	35,225,108	35,172,385	35,109,148	35,049,062	35,001,400
Additional Paid-In Capital	-	476,356	476,415	476,474	476,507	476,567
Retained Earnings	71,913,356	94,041,297	76,090,780	56,608,478	38,604,977	26,303,601
Comprehensive Income & Other	566,965	556,471	556,471	474	474	474
Total Common Equity	142,930,537	130,299,232	112,296,051	92,194,574	74,131,020	61,782,042
Minority Interest	1,437,445	1,316,833	1,128,915	846,898	483,766	290,725
Shareholders' Equity	144,367,982	131,616,065	113,424,966	93,041,472	74,614,786	62,072,767
Total Liabilities & Equity	927,053,345	849,482,012	699,032,544	568,728,950	439,602,933	383,699,461
Total Debt	196,073,265	191,671,246	147,399,933	100,532,373	54,419,289	40,528,940
Net Cash (Debt)	-106,753,547	-102,443,184	-56,607,609	-51,994,926	-20,524,038	12,929,663
Net Cash Growth	-	-	-	-	-	39.77%
Net Cash Per Share	-15153.05	-14560.80	-8056.81	-7413.97	-2931.72	1848.36
Filing Date Shares Outstanding	7,045	7,045	7,034	7,022	7,010	7,000
Total Common Shares Outstanding	7,045	7,045	7,034	7,022	7,010	7,000
Book Value Per Share	20288.16	18495.22	15963.67	13129.71	10575.32	8825.65
Tangible Book Value	137,152,734	124,934,121	107,581,481	88,598,825	70,988,539	59,367,749
Tangible Book Value Per Share	19468.04	17733.67	15293.46	12617.63	10127.02	8480.77

Source: S&P Capital IQ. Banks template. Financial Sources.