Vietnam Prosperity Joint Stock Commercial Bank (HOSE:VPB)

HOSE:VPB Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	92,483,421	80,111,645	76,557,377	62,200,250	50,827,098	52,361,767
Interest Paid on Deposits	38,119,327	31,031,238	38,382,701	21,179,192	16,478,269	20,015,944
Net Interest Income	54,364,094	49,080,407	38,174,676	41,021,058	34,348,829	32,345,823
Net Interest Income Growth (YoY)	14.08%	28.57%	-6.94%	19.43%	6.19%	5.46%
Income From Trading Activities	2,033,987	360,956	380,173	-149,194	8,879	226,466
Gain (Loss) on Sale of Assets	530	1,456	646	2,781	1,603	-
Gain (Loss) on Sale of Investments	-136,363	469,667	250,032	508,755	3,150,866	1,244,887
Other Non-Interest Income	13,431,888	12,153,838	9,416,384	16,073,608	7,376,582	5,252,235
Total Non-Interest Income	15,330,042	12,985,917	10,047,235	16,435,950	10,537,930	6,723,588
Non-Interest Income Growth (YoY)	74.65%	29.25%	-38.87%	55.97%	56.73%	19.05%
Revenues Before Loan Losses	69,694,136	62,066,324	48,221,911	57,457,008	44,886,759	39,069,411
Provision for Loan Losses	26,816,495	27,902,624	24,994,374	22,461,226	19,218,768	14,621,638
Revenue	42,877,641	34,163,700	23,227,537	34,995,782	25,667,991	24,447,773
Revenue Growth (YoY)	47.65%	47.08%	-33.63%	36.34%	4.99%	8.03%
Salaries and Employee Benefits	4,265,134	8,395,563	8,609,213	8,327,741	6,230,506	6,699,495
Occupancy Expenses	1,079,339	1,957,629	1,689,084	1,627,331	1,467,665	1,549,971
Federal Deposit Insurance	220,086	431,141	301,649	182,448	176,046	205,015
Selling, General & Administrative	794,816	1,325,488	1,262,910	1,571,486	1,054,780	1,306,159
Other Non-Interest Expense	10,159,672	2,229,911	2,078,362	2,406,725	1,789,940	1,705,537
Total Non-Interest Expense	16,519,047	14,339,732	13,941,218	14,115,731	10,718,937	11,466,177
EBT Excluding Unusual Items	26,358,594	19,823,968	9,286,319	20,880,051	14,949,054	12,981,596
Other Unusual Items	188,544	188,732	1,517,577	340,081	-585,284	37,859
Pretax Income	26,547,138	20,012,700	10,803,896	21,220,132	14,363,770	13,019,455
Income Tax Expense	5,271,429	4,025,874	2,309,725	4,311,325	2,886,600	2,605,695
Earnings From Continuing Operations	21,275,709	15,986,826	8,494,171	16,908,807	11,477,170	10,413,760
Minority Interest in Earnings	-625,501	-208,031	1,479,768	1,259,161	244,038	-
Net Income	20,650,208	15,778,795	9,973,939	18,167,968	11,721,208	10,413,760
Net Income to Common	20,650,208	15,778,795	9,973,939	18,167,968	11,721,208	10,413,760
Net Income Growth	57.48%	58.20%	-45.10%	55.00%	12.55%	26.07%
Basic Shares Outstanding	7,933	7,934	6,959	6,685	6,643	6,583
Diluted Shares Outstanding	7,933	7,934	6,959	6,685	6,643	6,583
Shares Change (YoY)	0.75%	14.01%	4.09%	0.63%	0.92%	-0.35%
EPS (Basic)	2602.98	1988.78	1433.28	2717.63	1764.35	1581.99
EPS (Diluted)	2602.98	1988.78	1433.28	2717.63	1764.35	1581.99
EPS Growth	56.31%	38.76%	-47.26%	54.03%	11.53%	26.51%
Dividend Per Share	-	-	1000.000	1000.000	-	-
Effective Tax Rate	19.86%	20.12%	21.38%	20.32%	20.10%	20.01%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.