HOSE:VPB Income Statement

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
Interest Income on Loans	101,258,954	80,111,645	76,557,377	62,200,250	50,827,098
Interest Paid on Deposits	42,596,241	31,031,238	38,382,701	21,179,192	16,478,269
Net Interest Income	58,662,713	49,080,407	38,174,676	41,021,058	34,348,829
Net Interest Income Growth (YoY)	19.52%	28.57%	-6.94%	19.43%	6.19%
Income From Trading Activities	1,566,648	360,956	380,173	-149,194	8,879
Gain (Loss) on Sale of Assets	7,148	1,456	646	2,781	1,603
Gain (Loss) on Sale of Investments	4,456	469,667	250,032	508,755	3,150,866
Other Non-Interest Income	14,412,852	12,153,838	9,416,384	16,073,608	7,376,582
Total Non-Interest Income	15,991,104	12,985,917	10,047,235	16,435,950	10,537,930
Non-Interest Income Growth (YoY)	23.14%	29.25%	-38.87%	55.97%	56.73%
Revenues Before Loan Losses	74,653,817	62,066,324	48,221,911	57,457,008	44,886,759
Provision for Loan Losses	25,362,719	27,902,624	24,994,374	22,461,226	19,218,768
Revenue	49,291,098	34,163,700	23,227,537	34,995,782	25,667,991
Revenue Growth (YoY)	44.28%	47.08%	-33.63%	36.34%	4.99%
Salaries and Employee Benefits	11,202,903	8,395,563	8,609,213	8,327,741	6,230,506
Occupancy Expenses	2,190,530	1,957,629	1,689,084	1,627,331	1,467,665
Federal Deposit Insurance	500,858	431,141	301,649	182,448	176,046
Selling, General & Administrative	1,778,538	1,325,488	1,262,910	1,571,486	1,054,780
Other Non-Interest Expense	2,993,320	2,229,911	2,078,362	2,406,725	1,789,940
Total Non-Interest Expense	18,666,149	14,339,732	13,941,218	14,115,731	10,718,937
EBT Excluding Unusual Items	30,624,949	19,823,968	9,286,319	20,880,051	14,949,054
Other Unusual Items	-	188,732	1,517,577	340,081	-585,284
Pretax Income	30,624,949	20,012,700	10,803,896	21,220,132	14,363,770
Income Tax Expense	6,270,353	4,025,874	2,309,725	4,311,325	2,886,600
Earnings From Continuing Operations	24,354,596	15,986,826	8,494,171	16,908,807	11,477,170
Minority Interest in Earnings	-364,666	-208,031	1,479,768	1,259,161	244,038
Net Income	23,989,930	15,778,795	9,973,939	18,167,968	11,721,208
Net Income to Common	23,989,930	15,778,795	9,973,939	18,167,968	11,721,208
Net Income Growth	52.04%	58.20%	-45.10%	55.00%	12.55%
Basic Shares Outstanding	7,934	7,934	6,959	6,685	6,643
Diluted Shares Outstanding	7,934	7,934	6,959	6,685	6,643
Shares Change (YoY)	-	14.01%	4.09%	0.63%	0.92%
EPS (Basic)	3023.72	1988.78	1433.28	2717.63	1764.35
EPS (Diluted)	3023.72	1988.78	1433.28	2717.63	1764.35
EPS Growth	52.04%	38.76%	-47.26%	54.03%	11.53%
Dividend Per Share	-	-	1000.000	1000.000	-
Effective Tax Rate	20.47%	20.12%	21.38%	20.32%	20.10%

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