Vietnam Export Import Commercial Joint Stock Bank (HOSE:EIB)

HOSE:EIB Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	32,584,911	31,925,611	45,284,319	28,172,665	27,142,345	34,451,476
Investment Securities	29,193,475	29,119,180	6,983,290	16,074,579	15,880,578	15,967,304
Trading Asset Securities	2,134,210	3,323,249	-	120,182	4,262	49,073
Total Investments	31,327,685	32,442,429	6,983,290	16,194,761	15,884,840	16,016,377
Gross Loans	183,349,228	166,154,019	140,687,900	130,746,252	114,831,591	101,567,335
Allowance for Loan Losses	-2,009,295	-1,775,153	-1,535,774	-1,309,446	-1,366,550	-1,279,835
Net Loans	181,339,933	164,378,866	139,152,126	129,436,806	113,465,041	100,287,500
Property, Plant & Equipment	1,099,127	1,109,154	1,109,933	703,560	1,039,630	1,022,974
Other Intangible Assets	2,648,387	2,666,693	2,571,807	2,567,525	2,578,975	2,596,567
Accrued Interest Receivable	1,607,498	1,140,576	805,637	982,699	598,647	610,420
Other Receivables	2,628,539	527,811	81,573	115,493	324,698	84,288
Restricted Cash	2,453,210	4,335,534	4,058,527	5,584,541	3,392,981	3,910,391
Other Current Assets	-	248,078	150,216	136,049	520,176	580,296
Long-Term Deferred Tax Assets	20,727	20,727	20,549	20,548	9,545	45,501
Other Real Estate Owned & Foreclosed	-	475,109	712,399	717,927	749,528	749,528
Other Long-Term Assets	731,954	497,406	486,459	423,477	125,590	79,859
Total Assets	256,441,971	239,767,994	201,416,835	185,056,051	165,831,996	160,435,177
Accrued Expenses	240,941	547,682	461,268	604,976	121,163	89,204
Interest Bearing Deposits	190,017,212	173,868,902	151,066,020	137,994,037	124,328,137	120,860,665
Non-Interest Bearing Deposits	24,213,838	22,846,605	23,627,017	20,041,860	20,661,513	18,684,437
Total Deposits	214,231,050	196,715,507	174,693,037	158,035,897	144,989,650	139,545,102
Short-Term Borrowings	5,699,423	7,602,467	230,822	2,471,700	-	693,000
Current Portion of Long-Term Debt	2,012,912	2,079,510	19,870	24,261	29,184	33,805
Current Income Taxes Payable	-	373,670	202,093	136,537	278	79,292
Accrued Interest Payable	2,528,405	2,119,353	2,552,457	2,489,667	2,301,087	2,402,606
Other Current Liabilities	-	558,494	463,386	588,089	332,247	485,388
Long-Term Debt	3,666,067	3,694,329	29,826	29,826	29,826	29,826
Long-Term Unearned Revenue	-	32,312	-	-	-	-
Other Long-Term Liabilities	-	945,264	319,077	195,198	243,653	257,464
Total Liabilities	230,374,965	214,668,588	178,971,836	164,576,151	148,047,088	143,615,687
Common Stock	18,688,106	18,688,106	17,469,561	12,355,229	12,355,229	12,355,229
Additional Paid-In Capital	156,322	156,322	156,322	156,322	156,322	156,322
Retained Earnings	7,252,586	6,317,855	4,881,993	8,031,226	5,336,234	4,370,816
Treasury Stock	-78,273	-78,273	-78,273	-78,273	-78,273	-78,273
Comprehensive Income & Other	48,265	15,396	15,396	15,396	15,396	15,396
Shareholders' Equity	26,067,006	25,099,406	22,444,999	20,479,900	17,784,908	16,819,490
Total Liabilities & Equity	256,441,971	239,767,994	201,416,835	185,056,051	165,831,996	160,435,177
Total Debt	11,378,402	13,376,306	280,518	2,525,787	59,010	756,631
Net Cash (Debt)	23,340,719	21,872,554	45,003,801	25,767,060	27,087,597	33,743,918
Net Cash Growth	-20.94%	-51.40%	74.66%	-4.88%	-19.73%	20.32%
Net Cash Per Share	12530.45	11742.26	24160.25	13832.98	14541.82	18115.22
Filing Date Shares Outstanding	1,863	1,863	1,863	1,863	1,863	1,863
Total Common Shares Outstanding	1,863	1,863	1,863	1,863	1,863	1,863
Book Value Per Share	13994.05	13474.60	12049.54	10994.51	9547.72	9029.44
Tangible Book Value	23,418,619	22,432,713	19,873,192	17,912,375	15,205,933	14,222,923
Tangible Book Value Per Share	12572.27	12042.98	10668.87	9616.15	8163.21	7635.49

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