HOSE:VCB Balance Sheet

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
Cash & Equivalents	504,243,298	381,273,692	314,714,227	319,677,485	210,047,284
Investment Securities	198,138,724	192,557,717	184,297,291	210,673,241	206,719,319
Trading Asset Securities	12,207,495	6,190,671	2,495,408	1,656,202	3,102,851
Total Investments	210,346,219	198,748,388	186,792,699	212,329,443	209,822,170
Gross Loans	1,673,525,675	1,449,198,899	1,270,359,018	1,145,066,250	960,749,955
Allowance for Loan Losses	-24,975,679	-31,183,175	-28,681,807	-24,779,418	-25,740,284
Net Loans	1,648,549,996	1,418,015,724	1,241,677,211	1,120,286,832	935,009,671
Property, Plant & Equipment	6,029,587	5,870,051	5,625,138	5,411,993	5,877,577
Other Intangible Assets	2,544,519	2,562,298	2,592,276	2,815,317	3,073,419
Accrued Interest Receivable	10,007,221	8,868,303	9,265,453	9,209,121	7,147,524
Other Receivables	4,249,845	3,237,912	3,218,465	6,314,953	5,515,651
Restricted Cash	37,445,504	49,340,493	58,104,503	92,557,809	22,506,711
Other Current Assets	11,592,707	13,031,567	11,662,273	23,159,643	12,810,110
Long-Term Deferred Tax Assets	13,072	991,748	848,268	958,065	349
Other Long-Term Assets	7,257,198	3,933,346	5,224,047	21,094,509	3,175,793
Total Assets	2,442,279,166	2,085,873,522	1,839,724,560	1,813,815,170	1,414,986,259
Accounts Payable	-	-	698,968	24,377,682	-
Accrued Expenses	10,423,909	9,918,687	8,943,117	4,708,070	7,569,959
Interest Bearing Deposits	1,364,660,186	1,177,726,379	1,037,123,187	998,385,431	822,183,155
Non-Interest Bearing Deposits	767,374,788	652,280,026	561,307,638	544,184,728	424,903,222
Total Deposits	2,132,034,974	1,830,006,405	1,598,430,825	1,542,570,159	1,247,086,377
Short-Term Borrowings	82	78	117,830	78	77
Current Income Taxes Payable	2,962,310	4,358,313	4,694,499	5,086,976	610,856
Accrued Interest Payable	15,457,974	13,990,276	19,527,028	12,174,189	9,198,925
Other Current Liabilities	-	-	-	-	3,329,224
Long-Term Debt	49,300,688	22,072,140	33,302,722	26,768,935	25,657,716
Long-Term Unearned Revenue	64,639	64,784	1,749,415	3,521,873	5,102,960
Other Long-Term Liabilities	7,475,864	9,253,671	7,179,666	58,961,123	7,243,736
Total Liabilities	2,217,720,440	1,889,664,354	1,674,644,070	1,678,169,085	1,305,799,830
Common Stock	83,556,751	55,890,913	55,890,913	47,325,166	37,088,774
Additional Paid-In Capital	4,995,389	4,995,389	4,995,389	4,995,389	4,995,389
Retained Earnings	136,043,904	135,385,060	104,273,598	83,290,381	66,675,604
Comprehensive Income & Other	-108,839	-158,455	-173,400	-53,234	339,549
Total Common Equity	224,487,205	196,112,907	164,986,500	135,557,702	109,099,316
Minority Interest	71,521	96,261	93,990	88,383	87,113
Shareholders' Equity	224,558,726	196,209,168	165,080,490	135,646,085	109,186,429
Total Liabilities & Equity	2,442,279,166	2,085,873,522	1,839,724,560	1,813,815,170	1,414,986,259
Total Debt	49,300,770	22,072,218	33,420,552	26,769,013	25,657,793
Net Cash (Debt)	500,923,856	388,338,415	320,081,362	336,473,167	221,268,589
Net Cash Growth	28.99%	21.32%	-4.87%	52.06%	-14.17%
Net Cash Per Share	59950.14	46476.01	38306.99	40268.74	26481.13
Filing Date Shares Outstanding	8,356	8,356	8,356	8,356	8,356
Total Common Shares Outstanding	8,356	8,356	8,356	8,356	8,356
Book Value Per Share	26866.44	23470.58	19745.40	16223.37	13056.83
Tangible Book Value	221,942,686	193,550,609	162,394,224	132,742,385	106,025,897
Tangible Book Value Per Share	26561.91	23163.92	19435.16	15886.43	12689.01

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