HOSE:VCB Balance Sheet

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	479,601,950	381,273,692	314,714,227	319,677,485	210,047,284	259,443,329
Investment Securities	199,219,990	192,557,717	184,297,291	210,673,241	206,719,319	182,791,813
Trading Asset Securities	5,251,130	6,190,671	2,495,408	1,656,202	3,102,851	1,954,061
Total Investments	204,471,120	198,748,388	186,792,699	212,329,443	209,822,170	184,745,874
Gross Loans	1,629,942,508	1,449,198,899	1,270,359,018	1,145,066,250	960,749,955	839,788,261
Allowance for Loan Losses	-34,008,526	-31,183,175	-28,681,807	-24,779,418	-25,740,284	-19,242,794
Net Loans	1,595,933,982	1,418,015,724	1,241,677,211	1,120,286,832	935,009,671	820,545,467
Property, Plant & Equipment	5,671,432	5,870,051	5,625,138	5,411,993	5,877,577	5,866,496
Other Intangible Assets	2,469,585	2,562,298	2,592,276	2,815,317	3,073,419	3,128,223
Accrued Interest Receivable	9,411,744	8,868,303	9,265,453	9,209,121	7,147,524	7,202,191
Other Receivables	21,120,707	3,237,912	3,218,465	6,314,953	5,515,651	3,108,276
Restricted Cash	56,577,155	49,340,493	58,104,503	92,557,809	22,506,711	33,139,373
Other Current Assets	-	13,031,567	11,662,273	23,159,643	12,810,110	5,263,816
Long-Term Deferred Tax Assets	997,419	991,748	848,268	958,065	349	909,263
Other Long-Term Assets	1,930,534	3,933,346	5,224,047	21,094,509	3,175,793	2,877,784
Total Assets	2,378,185,628	2,085,873,522	1,839,724,560	1,813,815,170	1,414,986,259	1,326,230,092
Accounts Payable	-	836,562	698,968	24,377,682	-	-
Accrued Expenses	2,726,842	9,918,687	8,943,117	4,708,070	7,569,959	8,022,650
Interest Bearing Deposits	1,366,972,778	1,177,726,379	1,037,123,187	998,385,431	822,183,155	815,078,640
Non-Interest Bearing Deposits	720,846,746	652,280,026	561,307,638	544,184,728	424,903,222	356,781,176
Total Deposits	2,087,819,524	1,830,006,405	1,598,430,825	1,542,570,159	1,247,086,377	1,171,859,816
Short-Term Borrowings	28,733	78	117,830	78	77	52,108
Current Income Taxes Payable	-	4,358,313	4,694,499	5,086,976	610,856	1,927,716
Accrued Interest Payable	15,029,936	13,990,276	19,527,028	12,174,189	9,198,925	9,731,958
Other Current Liabilities	2	529	-	-	3,329,224	747,619
Long-Term Debt	26,990,121	22,072,140	33,302,722	26,768,935	25,657,716	27,160,893
Long-Term Unearned Revenue	-	64,784	1,749,415	3,521,873	5,102,960	6,782,540
Other Long-Term Liabilities	22,798,925	8,416,580	7,179,666	58,961,123	7,243,736	5,849,813
Total Liabilities	2,155,394,083	1,889,664,354	1,674,644,070	1,678,169,085	1,305,799,830	1,232,135,113
Common Stock	83,556,751	55,890,913	55,890,913	47,325,166	37,088,774	37,088,774
Additional Paid-In Capital	4,995,389	4,995,389	4,995,389	4,995,389	4,995,389	4,995,389
Retained Earnings	134,229,809	135,385,060	104,273,598	83,290,381	66,675,604	51,576,031
Comprehensive Income & Other	-103,116	-158,455	-173,400	-53,234	339,549	349,761
Total Common Equity	222,678,833	196,112,907	164,986,500	135,557,702	109,099,316	94,009,955
Minority Interest	112,712	96,261	93,990	88,383	87,113	85,024
Shareholders' Equity	222,791,545	196,209,168	165,080,490	135,646,085	109,186,429	94,094,979
Total Liabilities & Equity	2,378,185,628	2,085,873,522	1,839,724,560	1,813,815,170	1,414,986,259	1,326,230,092
Total Debt	27,018,854	22,072,218	33,420,552	26,769,013	25,657,793	27,213,001
Net Cash (Debt)	489,000,538	388,338,415	320,081,362	336,473,167	221,268,589	257,806,099
Net Cash Growth	55.65%	21.32%	-4.87%	52.06%	-14.17%	9.86%
Net Cash Per Share	58523.05	46475.92	38306.99	40268.74	26481.13	30853.89
Filing Date Shares Outstanding	8,356	8,356	8,356	8,356	8,356	8,356
Total Common Shares Outstanding	8,356	8,356	8,356	8,356	8,356	8,356
Book Value Per Share	26650.01	23470.58	19745.40	16223.37	13056.83	11250.96
Tangible Book Value	220,209,248	193,550,609	162,394,224	132,742,385	106,025,897	90,881,732
Tangible Book Value Per Share	26354.45	23163.92	19435.16	15886.43	12689.01	10876.58

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