Joint Stock Commercial Bank for Foreign Trade of Vietnam (HOSE:VCB)

HOSE:VCB Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	378,727,415	314,714,227	319,677,485	210,047,284	259,443,329
Investment Securities	194,447,875	184,264,241	210,673,241	206,719,319	182,791,813
Trading Asset Securities	5,890,284	2,495,408	1,656,202	3,102,851	1,954,061
Total Investments	200,338,159	186,759,649	212,329,443	209,822,170	184,745,874
Gross Loans	1,449,219,780	1,270,359,018	1,145,066,250	960,749,955	839,788,261
Allowance for Loan Losses	-31,183,175	-28,683,685	-24,779,418	-25,740,284	-19,242,794
Net Loans	1,418,036,605	1,241,675,333	1,120,286,832	935,009,671	820,545,467
Property, Plant & Equipment	5,530,580	5,527,946	5,411,993	5,877,577	5,866,496
Other Intangible Assets	2,562,298	2,592,569	2,815,317	3,073,419	3,128,223
Accrued Interest Receivable	8,865,278	9,200,022	9,209,121	7,147,524	7,202,191
Other Receivables	14,488,630	3,218,465	6,314,953	5,515,651	3,108,276
Restricted Cash	49,340,493	58,104,503	92,557,809	22,506,711	33,139,373
Other Current Assets	-	11,662,273	23,159,643	12,810,110	5,263,816
Long-Term Deferred Tax Assets	991,746	848,268	958,065	349	909,263
Other Long-Term Assets	6,516,040	5,309,943	21,094,509	3,175,793	2,877,784
Total Assets	2,085,397,244	1,839,613,198	1,813,815,170	1,414,986,259	1,326,230,092
Accounts Payable	-	4,519,311	24,377,682	-	-
Accrued Expenses	2,072,192	5,543,060	4,708,070	7,569,959	8,022,650
Interest Bearing Deposits	1,101,162,985	1,037,123,187	998,385,431	822,183,155	815,078,640
Non-Interest Bearing Deposits	651,294,966	561,307,638	544,184,728	424,903,222	356,781,176
Total Deposits	1,752,457,951	1,598,430,825	1,542,570,159	1,247,086,377	1,171,859,816
Short-Term Borrowings	78	117,830	78	77	52,108
Current Income Taxes Payable	-	4,677,543	5,086,976	610,856	1,927,716
Accrued Interest Payable	13,990,288	19,104,561	12,174,189	9,198,925	9,731,958
Other Current Liabilities	-	365	-	3,329,224	747,619
Long-Term Debt	99,222,623	33,302,722	26,768,935	25,657,716	27,160,893
Long-Term Unearned Revenue	-	1,744,164	3,521,873	5,102,960	6,782,540
Other Long-Term Liabilities	18,698,002	7,160,151	58,961,123	7,243,736	5,849,813
Total Liabilities	1,886,441,134	1,674,600,532	1,678,169,085	1,305,799,830	1,232,135,113
Common Stock	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
Retained Earnings	138,132,000	104,205,774	83,290,381	66,675,604	51,576,031
Comprehensive Income & Other	-158,453	-173,400	-53,234	339,549	349,761
Total Common Equity	198,859,849	164,918,676	135,557,702	109,099,316	94,009,955
Minority Interest	96,261	93,990	88,383	87,113	85,024
Shareholders' Equity	198,956,110	165,012,666	135,646,085	109,186,429	94,094,979
Total Liabilities & Equity	2,085,397,244	1,839,613,198	1,813,815,170	1,414,986,259	1,326,230,092
Total Debt	99,222,701	33,420,552	26,769,013	25,657,793	27,213,001
Net Cash (Debt)	310,231,426	320,048,312	336,473,167	221,268,589	257,806,099
Net Cash Growth	-3.07%	-4.88%	52.07%	-14.17%	9.86%
Net Cash Per Share	55506.60	57263.03	60201.77	39589.29	46126.57
Filing Date Shares Outstanding	5,589	5,589	5,589	5,589	5,589
Total Common Shares Outstanding	5,589	5,589	5,589	5,589	5,589
Book Value Per Share	35580.00	29507.24	24253.93	19519.96	16820.19
Tangible Book Value	196,297,551	162,326,107	132,742,385	106,025,897	90,881,732
Tangible Book Value Per Share	35121.55	29043.38	23750.22	18970.07	16260.49

Source: S&P Capital IQ. Banks template. Financial Sources.