Tien Phong Commercial Joint Stock Bank (HOSE:TPB)

Accolade Income Statement

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
Interest Income on Loans	27,367,232	25,948,638	28,562,417	21,811,015	17,426,817	14,828,235
Interest Paid on Deposits	14,589,791	13,041,982	16,134,589	10,424,418	7,480,768	7,209,178
Net Interest Income	12,777,441	12,906,656	12,427,828	11,386,597	9,946,049	7,619,057
Net Interest Income Growth (YoY)	-3.62%	3.85%	9.14%	14.48%	30.54%	35.25%
Income From Trading Activities	765,759	1,095,094	855,841	426,255	1,409,742	710,680
Gain (Loss) on Sale of Assets	87	115	484	588	166	1
Other Non-Interest Income	4,671,986	4,036,535	2,952,604	3,803,749	2,161,451	2,039,451
Total Non-Interest Income	5,437,832	5,131,744	3,808,929	4,230,592	3,571,359	2,750,132
Non-Interest Income Growth (YoY)	25.73%	34.73%	-9.97%	18.46%	29.86%	-1.17%
Revenues Before Loan Losses	18,215,273	18,038,400	16,236,757	15,617,189	13,517,408	10,369,189
Provision for Loan Losses	3,343,663	4,159,212	3,946,265	1,843,644	2,908,490	1,783,373
Revenue	14,871,610	13,879,188	12,290,492	13,773,545	10,608,918	8,585,816
Revenue Growth (YoY)	22.01%	12.93%	-10.77%	29.83%	23.56%	20.62%
Salaries and Employee Benefits	3,570,871	3,231,348	3,494,529	3,201,585	2,537,952	2,254,907
Occupancy Expenses	45,444	-	-	310,816	257,062	211,559
Federal Deposit Insurance	21,521	-	-	-	-	-
Selling, General & Administrative	581,044	407,800	448,834	482,924	324,029	368,316
Other Non-Interest Expense	2,638,781	2,639,709	2,758,170	1,949,932	1,451,653	1,362,511
Total Non-Interest Expense	6,857,661	6,278,857	6,701,533	5,945,257	4,570,696	4,197,293
EBT Excluding Unusual Items	8,013,949	7,600,331	5,588,959	7,828,288	6,038,222	4,388,523
Other Unusual Items	-133	-133	-	-	-	-
Pretax Income	8,013,816	7,600,198	5,588,959	7,828,288	6,038,222	4,388,523
Income Tax Expense	1,611,243	1,528,564	1,125,634	1,567,544	1,209,043	878,334
Net Income	6,402,573	6,071,634	4,463,325	6,260,744	4,829,179	3,510,189
Preferred Dividends & Other Adjustments	-	-	5,000	5,000	5,000	5,000
Net Income to Common	6,402,573	6,071,634	4,458,325	6,255,744	4,824,179	3,505,189
Net Income Growth	35.01%	36.03%	-28.71%	29.64%	37.58%	13.46%
Basic Shares Outstanding	2,642	2,642	2,642	2,642	2,494	2,359
Diluted Shares Outstanding	2,642	2,642	2,642	2,642	2,494	2,359
Shares Change (YoY)	-	-	-	5.93%	5.74%	2.62%
EPS (Basic)	2423.42	2298.16	1687.51	2367.84	1934.26	1486.05
EPS (Diluted)	2423.42	2298.16	1687.51	2367.84	1934.26	1486.05
EPS Growth	35.15%	36.19%	-28.73%	22.42%	30.16%	10.59%
Dividend Per Share	-	-	416.667	1496.755	-	-
Dividend Growth	-	-	-72.16%	-	-	-
Effective Tax Rate	20.11%	20.11%	20.14%	20.02%	20.02%	20.01%

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