HOSE:VCB Income Statement

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 2021
Period Ending	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
Interest Income on Loans	105,216,484	93,654,841	108,115,840	88,112,700	70,621,957
Interest Paid on Deposits	46,445,074	38,249,106	54,501,409	34,866,222	28,349,385
Net Interest Income	58,771,410	55,405,735	53,614,431	53,246,478	42,272,572
Net Interest Income Growth (YoY)	6.08%	3.34%	0.69%	25.96%	16.50%
Income From Trading Activities	174,776	65,567	124,539	-33,599	52,430
Gain (Loss) on Sale of Investments	-	67,425	-24,426	26,583	3,927
Gain (Loss) on Sale of Equity Investments	163,286	145,723	131,053	21,613	31,930
Other Non-Interest Income	13,345,150	12,961,471	13,894,303	14,778,747	14,269,107
Total Non-Interest Income	13,683,212	13,240,186	14,125,469	14,793,344	14,357,394
Non-Interest Income Growth (YoY)	3.35%	-6.27%	-4.52%	3.04%	12.37%
Revenues Before Loan Losses	72,454,622	68,645,921	67,739,900	68,039,822	56,629,966
Provision for Loan Losses	3,192,186	3,314,998	4,529,947	9,464,218	11,478,198
Revenue	69,262,436	65,330,923	63,209,953	58,575,604	45,151,768
Revenue Growth (YoY)	6.02%	3.36%	7.91%	29.73%	15.51%
Salaries and Employee Benefits	13,662,861	12,271,312	11,718,438	10,704,534	9,586,008
Occupancy Expenses	3,826,596	3,402,747	3,456,785	4,017,315	3,463,858
Federal Deposit Insurance	1,090,552	993,995	880,742	802,452	711,257
Selling, General & Administrative	6,075,037	5,891,735	5,271,835	5,226,349	3,490,020
Other Non-Interest Expense	587,753	534,999	553,686	456,863	414,782
Total Non-Interest Expense	25,242,799	23,094,788	21,881,486	21,207,513	17,665,925
EBT Excluding Unusual Items	44,019,637	42,236,135	41,328,467	37,368,091	27,485,843
Pretax Income	44,019,637	42,236,135	41,328,467	37,368,091	27,485,843
Income Tax Expense	8,821,697	8,383,018	8,206,195	7,449,037	5,469,010
Earnings From Continuing Operations	35,197,940	33,853,117	33,122,272	29,919,054	22,016,833
Minority Interest in Earnings	-20,277	-21,731	-21,245	-20,040	-20,232
Net Income	35,177,663	33,831,386	33,101,027	29,899,014	21,996,601
Preferred Dividends & Other Adjustments	2,975,811	2,692,912	2,575,897	3,344,476	2,299,162
Net Income to Common	32,201,852	31,138,474	30,525,130	26,554,538	19,697,439
Net Income Growth	3.98%	2.21%	10.71%	35.93%	19.21%
Basic Shares Outstanding	8,356	8,356	8,356	8,356	8,356
Diluted Shares Outstanding	8,356	8,356	8,356	8,356	8,356
EPS (Basic)	3853.89	3726.63	3653.21	3178.02	2357.36
EPS (Diluted)	3853.89	3726.63	3653.21	3178.02	2357.36
EPS Growth	3.42%	2.01%	14.95%	34.81%	22.89%
Dividend Per Share	-	301.003	-	-	-
Effective Tax Rate	20.04%	19.85%	19.86%	19.93%	19.90%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.