HOSE:VPB 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	181,574,521	128,675,569	85,244,959	44,109,792	42,917,198
Investment Securities	64,626,026	52,972,264	93,115,790	82,585,687	75,806,406
Trading Asset Securities	23,960,121	13,110,971	12,325,809	7,793,447	7,074,240
Total Investments	88,586,147	66,083,235	105,441,599	90,379,134	82,880,646
Gross Loans	952,691,864	701,797,989	579,893,966	446,431,597	373,105,198
Allowance for Loan Losses	-17,439,183	-16,336,184	-14,805,434	-13,682,415	-9,981,328
Net Loans	935,252,681	685,461,805	565,088,532	432,749,182	363,123,870
Property, Plant & Equipment	1,522,361	1,442,099	1,302,867	1,233,155	1,217,364
Goodwill	-	41,310	118,507	195,492	-
Other Intangible Assets	549,555	586,817	625,702	639,018	656,016
Accrued Interest Receivable	13,448,383	8,014,461	7,849,551	7,192,902	4,474,604
Other Receivables	3,468,812	2,949,570	2,842,664	2,391,232	1,788,636
Restricted Cash	13,570,476	14,327,215	8,422,511	9,935,379	10,860,730
Other Current Assets	15,179,112	14,391,171	38,609,548	41,211,183	39,114,737
Long-Term Deferred Tax Assets	1,143,728	1,195,836	1,297,724	566,968	-
Other Real Estate Owned & Foreclosed	568,108	593,478	588,232	299,883	311,841
Other Long-Term Assets	5,285,712	85,071	134,526	109,566	63,797
Total Assets	1,260,149,596	923,847,637	817,566,922	631,012,886	547,409,439
Accounts Payable	19,000	34,364	44,371	15,711	6,823
Accrued Expenses	2,832,705	1,515,766	1,799,515	1,321,898	806,225
Interest Bearing Deposits	822,604,655	650,693,505	551,150,960	376,778,528	318,935,888
Non-Interest Bearing Deposits	9,695,135	8,855,083	9,168,925	13,794,736	4,945,706
Total Deposits	832,299,790	659,548,588	560,319,885	390,573,264	323,881,594
Short-Term Borrowings	15,428,023	33,067	5,514,453	1,936,509	8,452,993
Current Portion of Long-Term Debt	75,293,138	31,113,474	13,529,589	17,552,822	13,823,229
Current Income Taxes Payable	4,408,862	2,320,313	1,861,402	2,960,226	4,545,027
Accrued Interest Payable	14,088,645	9,456,896	12,552,890	7,733,399	5,342,083
Long-Term Debt	122,801,807	63,749,858	72,685,915	99,029,564	100,152,256
Long-Term Unearned Revenue	2,591,700	2,168,016	1,716,122	899,287	1,130,740
Long-Term Deferred Tax Liabilities	28,985	26,517	65,310	8,844	-
Other Long-Term Liabilities	10,081,312	6,605,516	7,681,943	5,479,442	2,990,322
Total Liabilities	1,079,873,967	776,572,375	677,771,395	527,510,966	461,131,292
Common Stock	79,339,236	79,339,236	79,339,236	67,434,236	45,056,930
Additional Paid-In Capital	23,992,546	23,992,546	23,992,546	-	77,202
Retained Earnings	64,571,561	38,573,193	31,299,251	30,286,888	34,998,046
Treasury Stock	-	-	-	-883,466	-1,760,512
Total Common Equity	167,903,343	141,904,975	134,631,033	96,837,658	78,371,666
Minority Interest	12,372,286	5,370,287	5,164,494	6,664,262	7,906,481
Shareholders' Equity	180,275,629	147,275,262	139,795,527	103,501,920	86,278,147
Total Liabilities & Equity	1,260,149,596	923,847,637	817,566,922	631,012,886	547,409,439
Total Debt	213,522,968	94,896,399	91,729,957	118,518,895	122,428,478
Net Cash (Debt)	-7,988,326	46,890,141	5,840,811	-66,595,656	-72,437,040
Net Cash Growth	-	702.80%	-	-	-
Net Cash Per Share	-1006.86	5910.08	839.34	-9961.63	-10903.69
Filing Date Shares Outstanding	7,934	7,934	7,934	6,713	6,668
Total Common Shares Outstanding	7,934	7,934	7,934	6,713	6,668
Book Value Per Share	21162.71	17885.85	16969.04	14424.95	11753.03
Tangible Book Value	167,353,788	141,276,848	133,886,824	96,003,148	77,715,650
Tangible Book Value Per Share	21093.45	17806.68	16875.23	14300.65	11654.65

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