HOSE:EIB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest Income on Loans	13,662,552	13,234,075	14,699,192	12,170,179	10,084,491	10,818,893	Upgrade
Interest Paid on Deposits	7,742,672	7,310,550	10,102,088	6,578,208	6,560,189	7,505,157	Upgrade
Net Interest Income	5,919,880	5,923,525	4,597,104	5,591,971	3,524,302	3,313,736	Upgrade
Net Interest Income Growth (YoY)	25.46%	28.85%	-17.79%	58.67%	6.35%	2.90%	Upgrade
Income From Trading Activities	-48,712	-68,479	121,282	87,550	99,397	55,408	Upgrade
Gain (Loss) on Sale of Assets	175,197	175,197	19,009	-	4,265	17,303	Upgrade
Gain (Loss) on Sale of Equity Investments	1,385	1,385	1,148	-	-	-	Upgrade
Other Non-Interest Income	1,905,958	1,691,805	961,829	1,138,912	1,081,385	1,059,140	Upgrade
Total Non-Interest Income	2,033,828	1,799,908	1,103,268	1,226,462	1,185,047	1,131,851	Upgrade
Non-Interest Income Growth (YoY)	128.06%	63.14%	-10.04%	3.50%	4.70%	-10.59%	Upgrade
Revenues Before Loan Losses	7,953,708	7,723,433	5,700,372	6,818,433	4,709,349	4,445,587	Upgrade
Provision for Loan Losses	814,483	969,072	694,399	103,590	990,124	667,377	Upgrade
Revenue	7,139,225	6,754,361	5,005,973	6,714,843	3,719,225	3,778,210	Upgrade
Revenue Growth (YoY)	51.05%	34.93%	-25.45%	80.54%	-1.56%	-0.47%	Upgrade
Salaries and Employee Benefits	2,019,248	1,866,829	1,731,432	2,181,150	1,562,230	1,468,998	Upgrade
Occupancy Expenses	808,317	769,807	656,777	253,247	144,741	154,355	Upgrade
Federal Deposit Insurance	152,260	150,047	146,885	132,658	-	-	Upgrade
Selling, General & Administrative	387,944	386,506	403,867	592,312	330,900	305,636	Upgrade
Other Non-Interest Expense	246,635	226,957	201,847	316,042	476,288	509,695	Upgrade
Total Non-Interest Expense	3,614,404	3,400,146	3,140,808	3,475,409	2,514,159	2,438,684	Upgrade
EBT Excluding Unusual Items	3,524,821	3,354,215	1,865,165	3,239,434	1,205,066	1,339,526	Upgrade
Other Unusual Items	834,202	834,202	854,461	469,632	-	-	Upgrade
Pretax Income	4,359,023	4,188,417	2,719,626	3,709,066	1,205,066	1,339,526	Upgrade
Income Tax Expense	900,981	861,613	554,527	763,314	239,629	269,345	Upgrade
Net Income	3,458,042	3,326,804	2,165,099	2,945,752	965,437	1,070,181	Upgrade
Preferred Dividends & Other Adjustments	-	-	150,000	200,000	70,000	-	Upgrade
Net Income to Common	3,458,042	3,326,804	2,015,099	2,745,752	895,437	1,070,181	Upgrade
Net Income Growth	73.23%	53.66%	-26.50%	205.12%	-9.79%	23.56%	Upgrade
Basic Shares Outstanding	1,863	1,863	1,863	1,863	1,863	1,863	Upgrade
Diluted Shares Outstanding	1,863	1,863	1,863	1,863	1,863	1,863	Upgrade
Shares Change (YoY)	-	-	-	-0.00%	-	-	Upgrade
EPS (Basic)	1856.45	1785.99	1081.80	1474.05	480.71	574.52	Upgrade
EPS (Diluted)	1856.45	1785.99	1081.80	1474.05	480.71	574.52	Upgrade
EPS Growth	87.30%	65.09%	-26.61%	206.64%	-16.33%	23.56%	Upgrade
Dividend Per Share	-	-	280.374	-	-	-	Upgrade
Effective Tax Rate	20.67%	20.57%	20.39%	20.58%	19.89%	20.11%	Upgrade

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