HOSE:VBB Balance Sheet

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 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Equivalents	47,187,045	51,667,680	37,569,802	27,083,427	17,961,175	14,992,656
Investment Securities	27,148,707	29,131,152	19,417,404	16,440,405	23,650,896	29,345,492
Trading Asset Securities	333,948	328,330	429,398	1,096,191	19,619	18,017
Total Investments	27,482,655	29,459,482	19,846,802	17,536,596	23,670,515	29,363,509
Gross Loans	120,199,248	105,835,063	95,537,036	80,754,430	63,632,966	50,530,156
Allowance for Loan Losses	-1,548,549	-1,462,645	-1,143,962	-777,872	-625,929	-917,692
Net Loans	118,650,699	104,372,418	94,393,074	79,976,558	63,007,037	49,612,464
Property, Plant & Equipment	912,262	958,467	873,453	637,176	622,994	556,195
Other Intangible Assets	2,938,392	2,993,335	155,441	207,426	230,177	256,994
Accrued Interest Receivable	3,880,337	2,738,336	2,560,595	2,707,549	1,651,273	1,446,957
Other Receivables	-	117,684	45,061	49,337	2,844,693	2,779,779
Restricted Cash	2,875,851	3,932,930	7,024,700	9,408,855	1,786,003	4,636,328
Other Current Assets	-	456,197	301,094	570,436	-	-
Other Real Estate Owned & Foreclosed	-	25,878	25,876	25,876	-	-
Other Long-Term Assets	897,669	48,626	59,434	54,837	162,916	134,956
Total Assets	204,824,910	196,771,033	162,855,332	138,258,073	111,936,783	103,779,838
Accrued Expenses	62,071	39,992	106,247	109,441	-	-
Interest Bearing Deposits	177,556,256	169,125,779	141,778,220	121,077,138	77,695,488	71,293,101
Non-Interest Bearing Deposits	69,644	69,887	91,701	78,061	18,677,444	16,815,939
Total Deposits	177,625,900	169,195,666	141,869,921	121,155,199	96,372,932	88,109,040
Short-Term Borrowings	5,219,479	4,410,073	215,774	-	-	-
Current Income Taxes Payable	177,062	209,458	60,661	77,444	-	-
Accrued Interest Payable	3,618,362	2,797,043	2,568,503	2,929,598	2,064,511	1,537,201
Other Current Liabilities	-	10,028	7,946	3,185	-	-
Long-Term Debt	4,825,402	7,537,660	9,073,093	7,022,480	6,388,559	7,646,833
Long-Term Unearned Revenue	9,345	19,058	16,434	11,177	-	-
Other Long-Term Liabilities	133,263	120,488	235,700	53,890	852,893	746,229
Total Liabilities	191,670,884	184,339,466	154,154,279	131,362,414	105,678,895	98,039,303
Common Stock	10,768,974	10,768,974	7,139,413	4,776,827	4,776,827	4,776,827
Retained Earnings	2,389,123	1,663,366	1,561,877	2,118,832	1,160,797	719,326
Comprehensive Income & Other	-4,071	-773	-237	-	320,264	244,382
Shareholders' Equity	13,154,026	12,431,567	8,701,053	6,895,659	6,257,888	5,740,535
Total Liabilities & Equity	204,824,910	196,771,033	162,855,332	138,258,073	111,936,783	103,779,838
Total Debt	10,044,881	11,947,733	9,288,867	7,022,480	6,388,559	7,646,833
Net Cash (Debt)	37,476,112	51,109,689	38,640,812	23,808,529	11,792,235	7,563,840
Net Cash Growth	3.24%	32.27%	62.30%	101.90%	55.90%	-6.72%
Net Cash Per Share	39753.77	67141.12	61761.84	39873.38	-	-
Filing Date Shares Outstanding	1,077	1,077	713.94	597.1	-	-
Total Common Shares Outstanding	1,077	1,077	713.94	597.1	-	-
Book Value Per Share	12214.74	11543.87	12187.35	11548.52	-	-
Tangible Book Value	10,215,634	9,438,232	8,545,612	6,688,233	6,027,711	5,483,541
Tangible Book Value Per Share	9486.17	8764.28	11969.63	11201.13	-	-