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

HOSE:TCB Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	87,295,644	109,664,571	93,131,262	83,359,627	89,830,290	42,695,701
Investment Securities	177,954,056	151,612,669	136,866,752	108,428,155	87,975,307	97,932,570
Trading Asset Securities	115,930	4,815,777	9,000,644	4,576,389	961,034	5,364,580
Total Investments	178,069,986	156,428,446	145,867,396	113,004,544	88,936,341	103,297,150
Gross Loans	929,863,033	815,589,756	656,734,594	590,981,508	476,354,347	402,905,717
Allowance for Loan Losses	-12,014,983	-10,681,771	-8,333,937	-6,871,088	-5,620,947	-4,367,659
Net Loans	917,848,050	804,907,985	648,400,657	584,110,420	470,733,400	398,538,058
Property, Plant & Equipment	6,465,878	6,562,918	6,722,311	7,497,896	6,145,923	4,875,890
Other Intangible Assets	6,097,460	5,779,202	5,890,186	5,365,111	4,714,570	3,595,749
Investments in Real Estate	-	-	-	-	1,053,124	1,088,924
Accrued Interest Receivable	14,307,049	9,788,752	8,127,646	9,682,822	8,030,412	5,809,483
Other Receivables	961,989	709,857	881,660	3,784,027	3,894,218	312,183
Restricted Cash	89,983,337	82,162,772	54,353,153	27,140,592	11,475,590	4,908,529
Other Current Assets	5,231,695	4,176,706	4,501,557	4,182,086	3,986,298	2,824,641
Long-Term Deferred Tax Assets	74,926	40,487	79,856	70,409	61,050	17,460
Other Long-Term Assets	11,829,122	12,122,441	10,842,865	11,284,478	10,171,328	765,182
Total Assets	1,318,165,136	1,192,344,137	978,798,549	849,482,012	699,032,544	568,728,950

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	-	-	-	721,509	527,635
Accrued Expenses	4,818,022	5,262,199	5,762,871	4,478,604	3,931,475	3,342,201
Interest Bearing Deposits	543,389,451	705,050,537	604,851,381	504,594,330	418,928,571	359,841,317
Non-Interest Bearing Deposits	206,417,644	1,199,178	763,334	686,258	776,778	518,192
Total Deposits	749,807,095	706,249,715	605,614,715	505,280,588	419,705,349	360,359,509
Short-Term Borrowings	1,733,748	2,416,947	931,231	-	1,851,213	-
Current Portion of Long-Term Debt	58,970,006	48,870,006	22,000,006	10,900,007	-	-
Current Income Taxes Payable	4,995,181	4,788,084	5,420,051	3,721,661	4,067,184	1,190,015
Accrued Interest Payable	16,463,886	9,448,719	7,281,567	9,418,750	6,144,022	3,121,881
Other Current Liabilities	-	-	-	-	1,703,887	3,900,432
Long-Term Debt	274,558,186	231,746,830	181,109,409	180,771,239	145,548,720	100,532,373
Long-Term Unearned Revenue	1,736,103	1,208,237	744,828	517,688	555,710	677,437
Other Long-Term Liabilities	7,756,782	2,851,958	1,994,250	2,777,410	1,378,509	2,035,995
Total Liabilities	1,120,840,514	1,012,842,695	830,858,928	717,865,947	585,607,578	475,687,478

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	70,862,404	70,862,404	70,648,517	35,225,108	35,172,385	35,109,148
Additional Paid-In Capital	-	-	-	476,356	476,415	476,474
Retained Earnings	100,334,203	91,417,664	67,006,137	94,041,297	76,090,780	56,608,478
Comprehensive Income & Other	15,890,364	7,764,436	7,764,501	556,471	556,471	474
Total Common Equity	187,086,971	170,044,504	145,419,155	130,299,232	112,296,051	92,194,574
Minority Interest	10,237,651	9,456,938	2,520,466	1,316,833	1,128,915	846,898
Shareholders' Equity	197,324,622	179,501,442	147,939,621	131,616,065	113,424,966	93,041,472
Total Liabilities & Equity	1,318,165,136	1,192,344,137	978,798,549	849,482,012	699,032,544	568,728,950

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	335,261,940	283,033,783	204,040,646	191,671,246	147,399,933	100,532,373
Net Cash (Debt)	-245,439,730	-164,486,016	-99,176,634	-102,443,184	-56,607,609	-51,994,926
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-23090.73	-15511.37	-9382.94	-9694.14	-5371.21	-4942.64
Filing Date Shares Outstanding	10,629	10,629	10,597	10,568	10,552	10,533
Total Common Shares Outstanding	10,629	10,629	10,597	10,568	10,552	10,533
Book Value Per Share	17600.96	15997.62	13722.31	12330.15	10642.44	8753.14
Tangible Book Value	180,989,511	164,265,302	139,528,969	124,934,121	107,581,481	88,598,825
Tangible Book Value Per Share	17027.32	15453.92	13166.49	11822.45	10195.64	8411.75

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 31, 2026

Data Sources Report a data error