VCB Balance Sheet

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Cash & Equivalents	300,274,074	314,714,227	319,677,485	210,047,284	259,443,329	237,586,444	Upgrade
Investment Securities	201,986,247	184,264,241	210,673,241	206,719,319	182,791,813	195,656,468	Upgrade
Trading Asset Securities	4,146,191	2,495,408	1,656,202	3,102,851	1,954,061	1,899,438	Upgrade
Total Investments	206,132,438	186,759,649	212,329,443	209,822,170	184,745,874	197,555,906	Upgrade
Gross Loans	1,401,151,675	1,270,359,018	1,145,066,250	960,749,955	839,788,261	734,706,891	Upgrade
Allowance for Loan Losses	-35,063,441	-28,683,685	-24,779,418	-25,740,284	-19,242,794	-10,233,637	Upgrade
Net Loans	1,366,088,234	1,241,675,333	1,120,286,832	935,009,671	820,545,467	724,473,254	Upgrade
Property, Plant & Equipment	5,467,042	5,527,946	5,411,993	5,877,577	5,866,496	5,239,921	Upgrade
Other Intangible Assets	2,559,650	2,592,569	2,815,317	3,073,419	3,128,223	2,260,794	Upgrade
Accrued Interest Receivable	8,627,164	9,200,022	9,209,121	7,147,524	7,202,191	8,064,808	Upgrade
Other Receivables	13,497,786	3,218,465	6,314,953	5,515,651	3,108,276	6,916,325	Upgrade
Restricted Cash	13,749,051	58,104,503	92,557,809	22,506,711	33,139,373	34,684,091	Upgrade
Other Current Assets	-	11,662,273	23,159,643	12,810,110	5,263,816	2,958,020	Upgrade
Long-Term Deferred Tax Assets	850,098	848,268	958,065	349	909,263	405,543	Upgrade
Other Long-Term Assets	15,116,371	5,309,943	21,094,509	3,175,793	2,877,784	2,668,586	Upgrade
Total Assets	1,932,361,908	1,839,613,198	1,813,815,170	1,414,986,259	1,326,230,092	1,222,813,692	Upgrade
Accounts Payable	-	4,519,311	24,377,682	-	-	-	Upgrade
Accrued Expenses	2,706,656	5,543,060	4,708,070	7,569,959	8,022,650	4,459,066	Upgrade
Interest Bearing Deposits	1,080,894,230	1,037,123,187	998,385,431	822,183,155	815,078,640	789,943,742	Upgrade
Non-Interest Bearing Deposits	610,040,307	561,307,638	544,184,728	424,903,222	356,781,176	298,854,991	Upgrade
Total Deposits	1,690,934,537	1,598,430,825	1,542,570,159	1,247,086,377	1,171,859,816	1,088,798,733	Upgrade
Short-Term Borrowings	117,066	117,830	78	77	52,108	77	Upgrade
Current Income Taxes Payable	-	4,677,543	5,086,976	610,856	1,927,716	1,525,963	Upgrade
Accrued Interest Payable	13,930,624	19,104,561	12,174,189	9,198,925	9,731,958	10,257,500	Upgrade
Other Current Liabilities	2	365	-	3,329,224	747,619	747,619	Upgrade
Long-Term Debt	19,591,312	33,302,722	26,768,935	25,657,716	27,160,893	30,473,014	Upgrade
Long-Term Unearned Revenue	-	1,744,164	3,521,873	5,102,960	6,782,540	65,899	Upgrade
Long-Term Deferred Tax Liabilities	-	-	-	-	-	22,023	Upgrade
Other Long-Term Liabilities	14,784,710	7,160,151	58,961,123	7,243,736	5,849,813	5,509,461	Upgrade
Total Liabilities	1,742,064,907	1,674,600,532	1,678,169,085	1,305,799,830	1,232,135,113	1,141,859,355	Upgrade
Common Stock	55,890,913	55,890,913	47,325,166	37,088,774	37,088,774	37,088,774	Upgrade
Additional Paid-In Capital	4,995,389	4,995,389	4,995,389	4,995,389	4,995,389	4,995,389	Upgrade
Retained Earnings	129,521,851	104,205,774	83,290,381	66,675,604	51,576,031	38,312,685	Upgrade
Comprehensive Income & Other	-221,915	-173,400	-53,234	339,549	349,761	474,030	Upgrade
Total Common Equity	190,186,238	164,918,676	135,557,702	109,099,316	94,009,955	80,870,878	Upgrade
Minority Interest	110,763	93,990	88,383	87,113	85,024	83,459	Upgrade
Shareholders' Equity	190,297,001	165,012,666	135,646,085	109,186,429	94,094,979	80,954,337	Upgrade
Total Liabilities & Equity	1,932,361,908	1,839,613,198	1,813,815,170	1,414,986,259	1,326,230,092	1,222,813,692	Upgrade
Total Debt	19,708,378	33,420,552	26,769,013	25,657,793	27,213,001	30,473,091	Upgrade
Net Cash (Debt)	314,162,127	320,048,312	336,473,167	221,268,589	257,806,099	234,675,077	Upgrade
Net Cash Growth	-1.29%	-4.88%	52.07%	-14.17%	9.86%	-1.66%	Upgrade
Net Cash Per Share	56209.88	57263.03	60201.77	39589.29	46126.57	42081.13	Upgrade
Filing Date Shares Outstanding	5,589	5,589	5,589	5,589	5,589	5,589	Upgrade
Total Common Shares Outstanding	5,589	5,589	5,589	5,589	5,589	5,589	Upgrade
Book Value Per Share	34028.11	29507.24	24253.93	19519.96	16820.19	14469.35	Upgrade
Tangible Book Value	187,626,588	162,326,107	132,742,385	106,025,897	90,881,732	78,610,084	Upgrade
Tangible Book Value Per Share	33570.14	29043.38	23750.22	18970.07	16260.49	14064.85	Upgrade

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