HOSE:TPB 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	30,747,083	25,948,638	28,562,417	21,811,015	17,426,817
Interest Paid on Deposits	17,379,406	13,041,982	16,134,589	10,424,418	7,480,768
Net Interest Income	13,367,677	12,906,656	12,427,828	11,386,597	9,946,049
Net Interest Income Growth (YoY)	3.57%	3.85%	9.14%	14.48%	30.54%
Income From Trading Activities	168,275	1,095,094	855,841	426,255	1,409,742
Gain (Loss) on Sale of Assets	-454	115	484	588	166
Other Non-Interest Income	5,442,272	4,036,535	2,952,604	3,803,749	2,161,451
Total Non-Interest Income	5,610,093	5,131,744	3,808,929	4,230,592	3,571,359
Non-Interest Income Growth (YoY)	9.32%	34.73%	-9.97%	18.46%	29.86%
Revenues Before Loan Losses	18,977,770	18,038,400	16,236,757	15,617,189	13,517,408
Provision for Loan Losses	3,201,223	4,159,212	3,946,265	1,843,644	2,908,490
Revenue	15,776,547	13,879,188	12,290,492	13,773,545	10,608,918
Revenue Growth (YoY)	13.67%	12.93%	-10.77%	29.83%	23.56%
Salaries and Employee Benefits	3,668,694	3,231,348	3,494,529	3,201,585	2,537,952
Occupancy Expenses	1,235,329	-	-	310,816	257,062
Federal Deposit Insurance	208,307	-	-	-	-
Selling, General & Administrative	1,457,582	1,846,197	2,090,429	482,924	324,029
Other Non-Interest Expense	3,498	1,201,312	1,116,575	1,949,932	1,451,653
Total Non-Interest Expense	6,573,410	6,278,857	6,701,533	5,945,257	4,570,696
EBT Excluding Unusual Items	9,203,137	7,600,331	5,588,959	7,828,288	6,038,222
Other Unusual Items	-	-133	-	-	-
Pretax Income	9,203,137	7,600,198	5,588,959	7,828,288	6,038,222
Income Tax Expense	1,823,439	1,528,564	1,125,634	1,567,544	1,209,043
Net Income	7,379,698	6,071,634	4,463,325	6,260,744	4,829,179
Preferred Dividends & Other Adjustments	-	-	5,000	5,000	5,000
Net Income to Common	7,379,698	6,071,634	4,458,325	6,255,744	4,824,179
Net Income Growth	21.54%	36.03%	-28.71%	29.64%	37.58%
Basic Shares Outstanding	2,774	2,774	2,774	2,774	2,619
Diluted Shares Outstanding	2,774	2,774	2,774	2,774	2,619
Shares Change (YoY)	-	-	-	5.93%	5.74%
EPS (Basic)	2660.26	2188.72	1607.15	2255.09	1842.16
EPS (Diluted)	2660.26	2188.72	1607.15	2255.09	1842.16
EPS Growth	21.54%	36.19%	-28.73%	22.42%	30.16%
Dividend Per Share	-	952.381	396.825	1425.481	-
Dividend Growth	-	140.00%	-72.16%	-	-
Effective Tax Rate	19.81%	20.11%	20.14%	20.02%	20.02%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.