HOSE:VPB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	81,033,640	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	69,859,516	58,662,713	50,002,402	38,174,676	41,021,058	34,348,829
Net Interest Income Growth	26.36%	17.32%	30.98%	-6.94%	19.43%	6.19%
Income From Trading Activities	-315,995	1,566,648	360,956	380,173	-149,194	8,879
Gain (Loss) on Sale of Assets	7,148	7,148	1,456	646	2,781	1,603
Gain (Loss) on Sale of Investments	258,434	4,456	469,667	250,032	508,755	3,150,866
Other Non-Interest Income	18,080,536	14,411,493	11,408,258	9,416,384	16,073,608	7,376,582
Total Non-Interest Income	18,030,123	15,989,745	12,240,337	10,047,235	16,435,950	10,537,930
Non-Interest Income Growth	23.63%	30.63%	21.83%	-38.87%	55.97%	56.73%
Revenues Before Loan Losses	87,889,639	74,652,458	62,242,739	48,221,911	57,457,008	44,886,759
Provision for Loan Losses	28,086,320	25,398,549	27,902,624	24,994,374	22,461,226	19,218,768
Revenue	59,803,319	49,253,909	34,340,115	23,227,537	34,995,782	25,667,991
Revenue Growth	38.90%	43.43%	47.84%	-33.63%	36.34%	4.99%
Salaries and Employee Benefits	11,202,903	11,202,903	8,395,563	8,609,213	8,327,741	6,230,506
Occupancy Expenses	2,190,530	2,190,530	1,957,629	1,689,084	1,627,331	1,467,665
Federal Deposit Insurance	500,858	500,858	431,141	301,649	182,448	176,046
Selling, General & Administrative	1,778,538	1,778,538	1,325,488	1,262,910	1,571,486	1,054,780
Other Non-Interest Expense	3,991,752	2,957,490	2,229,911	2,078,362	2,406,725	1,789,940
Total Non-Interest Expense	19,664,581	18,630,319	14,339,732	13,941,218	14,115,731	10,718,937
EBT Excluding Unusual Items	40,138,738	30,623,590	20,000,383	9,286,319	20,880,051	14,949,054
Other Unusual Items	1,359	1,359	12,317	1,517,577	340,081	-585,284
Pretax Income	40,140,097	30,624,949	20,012,700	10,803,896	21,220,132	14,363,770
Income Tax Expense	8,053,401	6,270,353	4,025,874	2,309,725	4,311,325	2,886,600
Earnings From Continuing Operations	32,086,696	24,354,596	15,986,826	8,494,171	16,908,807	11,477,170
Minority Interest in Earnings	-364,666	-364,666	-208,031	1,479,768	1,259,161	244,038
Net Income	31,722,030	23,989,930	15,778,795	9,973,939	18,167,968	11,721,208
Net Income to Common	31,722,030	23,989,930	15,778,795	9,973,939	18,167,968	11,721,208
Net Income Growth	52.12%	52.04%	58.20%	-45.10%	55.00%	12.55%
Basic Shares Outstanding	10,000	10,000	10,000	8,771	8,426	8,373
Diluted Shares Outstanding	10,000	10,000	10,000	8,771	8,426	8,373
Shares Change	-	-	14.01%	4.09%	0.63%	0.92%
EPS (Basic)	3172.20	2398.99	1577.88	1137.15	2156.15	1399.82
EPS (Diluted)	3172.20	2398.99	1577.88	1137.15	2156.15	1399.82
EPS Growth	-	52.04%	38.76%	-47.26%	54.03%	11.53%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	-	396.696	-	793.392	793.392	-
Dividend Growth	-	-	-	0%	-	-
Effective Tax Rate	20.06%	20.47%	20.12%	21.38%	20.32%	20.10%