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

VCB Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	293,151,930	314,714,227	319,677,485	210,047,284	259,443,329	237,586,444
Investment Securities	205,305,991	184,264,241	210,673,241	206,719,319	182,791,813	195,656,468
Trading Asset Securities	2,943,337	2,495,408	1,656,202	3,102,851	1,954,061	1,899,438
Total Investments	208,249,328	186,759,649	212,329,443	209,822,170	184,745,874	197,555,906
Gross Loans	1,369,645,310	1,270,359,018	1,145,066,250	960,749,955	839,788,261	734,706,891
Allowance for Loan Losses	-34,883,547	-28,683,685	-24,779,418	-25,740,284	-19,242,794	-10,233,637
Net Loans	1,334,761,763	1,241,675,333	1,120,286,832	935,009,671	820,545,467	724,473,254
Property, Plant & Equipment	5,170,803	5,527,946	5,411,993	5,877,577	5,866,496	5,239,921
Other Intangible Assets	2,545,714	2,592,569	2,815,317	3,073,419	3,128,223	2,260,794
Accrued Interest Receivable	8,515,758	9,200,022	9,209,121	7,147,524	7,202,191	8,064,808
Other Receivables	14,333,696	3,218,465	6,314,953	5,515,651	3,108,276	6,916,325
Restricted Cash	35,735,832	58,104,503	92,557,809	22,506,711	33,139,373	34,684,091
Other Current Assets	-	11,662,273	23,159,643	12,810,110	5,263,816	2,958,020
Long-Term Deferred Tax Assets	850,352	848,268	958,065	349	909,263	405,543
Other Long-Term Assets	2,323,669	5,309,943	21,094,509	3,175,793	2,877,784	2,668,586
Total Assets	1,905,638,845	1,839,613,198	1,813,815,170	1,414,986,259	1,326,230,092	1,222,813,692
Accounts Payable	-	4,519,311	24,377,682	-	-	-
Accrued Expenses	3,366,486	5,543,060	4,708,070	7,569,959	8,022,650	4,459,066
Interest Bearing Deposits	1,066,289,062	1,037,123,187	998,385,431	822,183,155	815,078,640	789,943,742
Non-Interest Bearing Deposits	597,610,629	561,307,638	544,184,728	424,903,222	356,781,176	298,854,991
Total Deposits	1,663,899,691	1,598,430,825	1,542,570,159	1,247,086,377	1,171,859,816	1,088,798,733
Short-Term Borrowings	80	117,830	78	77	52,108	77
Current Income Taxes Payable	-	4,677,543	5,086,976	610,856	1,927,716	1,525,963
Accrued Interest Payable	13,663,830	19,104,561	12,174,189	9,198,925	9,731,958	10,257,500
Other Current Liabilities	6	365	-	3,329,224	747,619	747,619
Long-Term Debt	23,310,557	33,302,722	26,768,935	25,657,716	27,160,893	30,473,014
Long-Term Unearned Revenue	-	1,744,164	3,521,873	5,102,960	6,782,540	65,899
Long-Term Deferred Tax Liabilities	-	-	-	-	-	22,023
Other Long-Term Liabilities	19,695,406	7,160,151	58,961,123	7,243,736	5,849,813	5,509,461
Total Liabilities	1,723,936,056	1,674,600,532	1,678,169,085	1,305,799,830	1,232,135,113	1,141,859,355
Common Stock	55,890,913	55,890,913	47,325,166	37,088,774	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	120,851,092	104,205,774	83,290,381	66,675,604	51,576,031	38,312,685
Comprehensive Income & Other	-140,343	-173,400	-53,234	339,549	349,761	474,030
Total Common Equity	181,597,051	164,918,676	135,557,702	109,099,316	94,009,955	80,870,878
Minority Interest	105,738	93,990	88,383	87,113	85,024	83,459
Shareholders' Equity	181,702,789	165,012,666	135,646,085	109,186,429	94,094,979	80,954,337
Total Liabilities & Equity	1,905,638,845	1,839,613,198	1,813,815,170	1,414,986,259	1,326,230,092	1,222,813,692
Total Debt	23,310,637	33,420,552	26,769,013	25,657,793	27,213,001	30,473,091
Net Cash (Debt)	309,172,522	320,048,312	336,473,167	221,268,589	257,806,099	234,675,077
Net Cash Growth	7.96%	-4.88%	52.07%	-14.17%	9.86%	-1.66%
Net Cash Per Share	55317.14	57263.03	60201.77	39589.29	46126.57	42081.13
Filing Date Shares Outstanding	5,589	5,589	5,589	5,589	5,589	5,589
Total Common Shares Outstanding	5,589	5,589	5,589	5,589	5,589	5,589
Book Value Per Share	32491.34	29507.24	24253.93	19519.96	16820.19	14469.35
Tangible Book Value	179,051,337	162,326,107	132,742,385	106,025,897	90,881,732	78,610,084
Tangible Book Value Per Share	32035.86	29043.38	23750.22	18970.07	16260.49	14064.85

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