Vietnam Asia Commercial Joint Stock Bank (HOSE:VAB)

HOSE:VAB Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2019	FY 2018	FY 2017
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2019	Jan 1, 2019	Dec 31, 2017
Interest Income on Loans	7,587,384	8,851,558	5,797,026	4,918,276	4,244,311	4,130,321
Interest Paid on Deposits	5,283,832	7,042,015	4,307,489	3,899,112	3,134,388	2,986,215
Net Interest Income	2,303,553	1,809,544	1,489,537	1,019,164	1,109,923	1,144,106
Net Interest Income Growth (YoY)	60.72%	21.48%	46.15%	-8.18%	-2.99%	37.27%
Income From Trading Activities	-167,041	-	-181.59	2,281	2,857	-82,523
Gain (Loss) on Sale of Investments	427,684	410,371	42,273	1,819	1,650	35,866
Gain (Loss) on Sale of Equity Investments	8,304	11,098	13,582	1,165	1,412	14,320
Other Non-Interest Income	370,987	281,997	440,539	218,655	63,454	-123,113
Total Non-Interest Income	639,934	703,466	496,212	223,921	69,374	-155,450
Non-Interest Income Growth (YoY)	64.49%	41.77%	121.60%	222.77%	-	-
Revenues Before Loan Losses	2,943,487	2,513,010	1,985,749	1,243,085	1,179,297	988,656
Provision for Loan Losses	786,687	675,324	61,493	365,935	464,588	308,122
Revenue	2,156,800	1,837,686	1,924,256	877,149	714,709	680,534
Revenue Growth (YoY)	24.46%	-4.50%	119.38%	22.73%	5.02%	15.01%
Other Non-Interest Expense	983,037	909,265	816,418	601,332	564,181	558,703
Total Non-Interest Expense	1,027,357	909,265	816,418	601,332	564,181	558,703
EBT Excluding Unusual Items	1,129,443	928,421	1,107,838	275,818	150,528	121,831
Pretax Income	1,129,443	928,421	1,107,838	275,818	150,528	121,831
Income Tax Expense	215,586	170,078	217,210	68,420	32,112	23,029
Net Income	913,857	758,343	890,628	207,398	118,416	98,802
Net Income to Common	913,857	758,343	890,628	207,398	118,416	98,802
Net Income Growth	34.67%	-14.85%	329.43%	75.14%	19.85%	-0.63%
Basic Shares Outstanding	816	-	-	529	530	530
Diluted Shares Outstanding	816	-	-	529	530	530
Shares Change (YoY)	-	-	-	-0.17%	-0.01%	-0.63%
EPS (Basic)	1119.42	-	-	392.22	223.56	186.52
EPS (Diluted)	1119.42	-	-	392.22	223.56	186.52
EPS Growth	-	-	-	75.44%	19.86%	-
Effective Tax Rate	19.09%	18.32%	19.61%	24.81%	21.33%	18.90%

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