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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	82,337,220	93,131,262	83,359,627	89,830,290	42,695,701	25,342,575
Investment Securities	142,799,923	136,866,752	108,428,155	87,975,307	97,932,570	83,892,717
Trading Asset Securities	3,107,148	9,000,644	4,576,389	961,034	5,364,580	8,347,576
Total Investments	145,907,071	145,867,396	113,004,544	88,936,341	103,297,150	92,240,293
Gross Loans	782,496,947	649,664,491	590,981,508	476,354,347	402,905,717	297,918,733
Allowance for Loan Losses	-10,824,591	-8,333,937	-6,871,088	-5,620,947	-4,367,659	-2,328,021
Net Loans	771,672,356	641,330,554	584,110,420	470,733,400	398,538,058	295,590,712
Property, Plant & Equipment	6,275,327	6,722,311	7,497,896	6,145,923	4,875,890	1,470,942
Goodwill	20,735	-	-	-	-	-
Other Intangible Assets	5,943,668	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	10,534,281	8,127,646	9,682,822	8,030,412	5,809,483	5,184,822
Other Receivables	1,400,445	881,660	3,784,027	3,894,218	312,183	334,800
Restricted Cash	77,586,460	54,353,153	27,140,592	11,475,590	4,908,529	10,253,324
Other Current Assets	16,503,723	11,571,660	4,182,086	3,986,298	2,824,641	1,723,391
Long-Term Deferred Tax Assets	77,775	79,856	70,409	61,050	17,460	-
Other Long-Term Assets	11,311,397	10,842,865	11,284,478	10,171,328	765,182	3,194,869
Total Assets	1,129,570,458	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	5,048,225	5,762,871	4,478,604	3,931,475	3,342,201	2,437,224
Interest Bearing Deposits	466,423,796	604,851,381	504,594,330	418,928,571	359,841,317	297,808,411
Non-Interest Bearing Deposits	222,175,616	763,334	686,258	776,778	518,192	882,329
Total Deposits	688,599,412	605,614,715	505,280,588	419,705,349	360,359,509	298,690,740
Short-Term Borrowings	1,712,153	931,231	-	1,851,213	-	266,926
Current Portion of Long-Term Debt	30,900,006	22,000,006	10,900,007	-	-	-
Current Income Taxes Payable	2,671,627	5,420,051	3,721,661	4,067,184	1,190,015	1,179,555
Accrued Interest Payable	8,187,281	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	206,379,829	181,109,409	180,771,239	145,548,720	100,532,373	54,152,363
Long-Term Unearned Revenue	1,276,964	744,828	517,688	555,710	677,437	755,486
Other Long-Term Liabilities	5,364,368	1,994,250	2,777,410	1,378,509	2,035,995	3,178,579
Total Liabilities	950,139,865	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	85,620,049	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	164,033,067	145,419,155	130,299,232	112,296,051	92,194,574	74,131,020
Minority Interest	15,397,526	2,520,466	1,316,833	1,128,915	846,898	483,766
Shareholders' Equity	179,430,593	147,939,621	131,616,065	113,424,966	93,041,472	74,614,786
Total Liabilities & Equity	1,129,570,458	978,798,549	849,482,012	699,032,544	568,728,950	439,602,933
Total Debt	238,991,988	204,040,646	191,671,246	147,399,933	100,532,373	54,419,289
Net Cash (Debt)	-150,096,261	-99,176,634	-102,443,184	-56,607,609	-51,994,926	-20,524,038
Net Cash Per Share	-21245.49	-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	23218.19	20583.47	18495.22	15963.67	13129.71	10575.32
Tangible Book Value	158,068,664	139,528,969	124,934,121	107,581,481	88,598,825	70,988,539
Tangible Book Value Per Share	22373.95	19749.74	17733.67	15293.46	12617.63	10127.02

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.