HOSE:VAB Balance Sheet

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 2019
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '19 Dec 31, 2019
Cash & Equivalents	19,958,421	12,221,645	361,840	447,803	266,476
Investment Securities	19,262,344	14,215,152	29,481,171	30,407,696	25,384,714
Trading Asset Securities	201,725	-	-	9,615	49,127
Total Investments	19,464,069	14,215,152	29,481,171	30,417,312	25,433,841
Gross Loans	91,441,516	85,715,536	69,059,041	62,508,119	42,623,754
Allowance for Loan Losses	-1,060,601	-758,473	-735,163	-683,162	-465,717
Net Loans	90,380,915	84,957,063	68,323,878	61,824,957	42,158,036
Property, Plant & Equipment	328,462	79,492	77,572	72,512	80,445
Other Intangible Assets	148,304	156,429	166,349	132,147	116,073
Investments in Real Estate	-	-	-	-	3,035
Accrued Interest Receivable	4,837,421	4,676,754	7,928,170	5,874,533	3,111,602
Other Receivables	3,334,175	1,490,906	3,594,738	3,399,692	1,198,379
Restricted Cash	1,130,892	1,307,943	2,149,614	1,374,242	2,941,223
Other Long-Term Assets	903,401	726,653	124,041	1,604,360	1,137,655
Total Assets	140,486,060	119,832,037	112,207,371	105,147,556	76,446,764
Interest Bearing Deposits	102,464,461	96,563,342	86,714,049	71,278,540	60,177,349
Non-Interest Bearing Deposits	15,346,923	5,804,434	13,864,938	20,571,529	-
Total Deposits	117,811,384	102,367,776	100,578,987	91,850,069	60,177,349
Short-Term Borrowings	4,735,943	2,097,760	17,041	3,621,234	-
Current Portion of Long-Term Debt	4,157,404	1,050,000	-	-	-
Accrued Interest Payable	1,395,697	1,617,346	2,250,505	1,597,762	1,373,902
Other Current Liabilities	3,029	-	-	-	-
Long-Term Debt	1,458,830	3,122,241	-	-	9,917,183
Long-Term Deferred Tax Liabilities	-	-	-	5,708	-
Other Long-Term Liabilities	786,812	720,236	1,349,496	810,876	536,064
Total Liabilities	130,349,099	110,975,359	104,196,028	97,885,650	72,004,497
Common Stock	8,163,607	5,399,600	5,399,600	5,399,600	3,499,990
Additional Paid-In Capital	99	99	98.6	98.6	98.6
Retained Earnings	1,973,242	3,456,965	2,103,099	1,487,256	715,112
Comprehensive Income & Other	13	14	508,546	374,951	227,066
Shareholders' Equity	10,136,961	8,856,678	8,011,343	7,261,906	4,442,266
Total Liabilities & Equity	140,486,060	119,832,037	112,207,371	105,147,556	76,446,764
Total Debt	10,352,177	6,270,001	17,041	3,621,234	9,917,183
Net Cash (Debt)	9,807,969	5,951,644	22,327,043	18,124,497	2,025,803
Net Cash Growth	64.79%	-73.34%	23.19%	794.68%	-72.18%
Net Cash Per Share	12014.26	-	-	-	3831.12
Filing Date Shares Outstanding	816.36	-	-	-	-
Total Common Shares Outstanding	816.36	-	-	-	-
Book Value Per Share	12417.26	-	-	-	-
Tangible Book Value	9,988,657	8,700,249	7,844,995	7,129,760	4,326,193
Tangible Book Value Per Share	12235.59	-	-	-	-

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