HOSE:VAB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2019
Period Ending	Sep '26 Sep 30, 2026	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
Interest Income on Loans	11,277,572	9,575,808	7,289,559	8,851,558	5,797,026	4,918,276
Interest Paid on Deposits	7,882,475	6,173,924	4,961,858	7,042,015	4,307,489	3,899,112
Net Interest Income	3,395,097	3,401,884	2,327,701	1,809,544	1,489,537	1,019,164
Net Interest Income Growth	30.22%	46.15%	28.63%	21.48%	46.15%	-8.18%
Income From Trading Activities	-14,207	-14,207	39,986	-	-181.59	2,281
Gain (Loss) on Sale of Investments	15,459	-	-	410,371	42,273	1,819
Gain (Loss) on Sale of Equity Investments	22,348	22,915	8,304	11,098	13,582	1,165
Other Non-Interest Income	416,007	376,331	285,958	281,997	440,539	218,655
Total Non-Interest Income	439,606	385,038	334,247	703,466	496,212	223,921
Non-Interest Income Growth	44.72%	15.20%	-52.49%	41.77%	121.60%	222.77%
Revenues Before Loan Losses	3,834,703	3,786,922	2,661,949	2,513,010	1,985,749	1,243,085
Provision for Loan Losses	1,006,507	1,168,607	555,164	675,324	61,493	365,935
Revenue	2,828,196	2,618,315	2,106,785	1,837,686	1,924,256	877,149
Revenue Growth	24.10%	24.28%	14.64%	-4.50%	119.38%	22.73%
Other Non-Interest Expense	1,041,426	972,514	1,021,123	909,265	816,418	601,332
Total Non-Interest Expense	1,041,426	972,514	1,021,123	909,265	816,418	601,332
EBT Excluding Unusual Items	1,786,771	1,645,802	1,085,662	928,421	1,107,838	275,818
Pretax Income	1,786,771	1,645,802	1,085,662	928,421	1,107,838	275,818
Income Tax Expense	350,915	325,802	218,637	170,078	217,210	68,420
Net Income	1,435,856	1,320,000	867,025	758,343	890,628	207,398
Preferred Dividends & Other Adjustments	21,650	21,650	-	-	-	-
Net Income to Common	1,414,206	1,298,350	867,025	758,343	890,628	207,398
Net Income Growth	32.42%	49.75%	14.33%	-14.85%	329.43%	75.14%
Basic Shares Outstanding	-	681	597	-	-	584
Diluted Shares Outstanding	-	681	597	-	-	584
Shares Change	-	14.16%	-	-	-	-0.17%
EPS (Basic)	-	1906.06	1453.14	-	-	354.95
EPS (Diluted)	-	1905.88	1453.14	-	-	354.95
EPS Growth	-	31.16%	-	-	-	75.44%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2019
Period Ending	Sep '26 Sep 30, 2026	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
Effective Tax Rate	19.64%	19.80%	20.14%	18.32%	19.61%	24.81%