HOSE:HDB 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	58,608,319	57,995,528	52,640,577	33,323,404	26,176,210	23,137,246	Upgrade
Interest Paid on Deposits	27,503,493	27,138,452	30,456,603	15,311,836	12,285,433	11,239,541	Upgrade
Net Interest Income	31,104,826	30,857,076	22,183,974	18,011,568	13,890,777	11,897,705	Upgrade
Net Interest Income Growth (YoY)	26.94%	39.10%	23.16%	29.67%	16.75%	22.07%	Upgrade
Income From Trading Activities	523,031	137,182	1,208,728	329,606	100,932	244,988	Upgrade
Gain (Loss) on Sale of Assets	-	-	-	-	-	30,706	Upgrade
Gain (Loss) on Sale of Investments	-	-	-	-	477,213	-13,185	Upgrade
Other Non-Interest Income	3,856,815	3,037,926	3,020,983	3,625,930	2,289,323	1,606,036	Upgrade
Total Non-Interest Income	4,379,846	3,175,108	4,229,711	3,955,536	2,867,468	1,868,545	Upgrade
Non-Interest Income Growth (YoY)	9.36%	-24.93%	6.93%	37.95%	53.46%	13.71%	Upgrade
Revenues Before Loan Losses	35,484,672	34,032,184	26,413,685	21,967,104	16,758,245	13,766,250	Upgrade
Provision for Loan Losses	5,376,378	5,321,434	4,267,751	3,068,339	2,305,860	1,788,384	Upgrade
Revenue	30,108,294	28,710,750	22,145,934	18,898,765	14,452,385	11,977,866	Upgrade
Revenue Growth (YoY)	25.84%	29.64%	17.18%	30.77%	20.66%	18.58%	Upgrade
Salaries and Employee Benefits	6,915,153	6,915,153	5,130,179	5,428,661	3,789,826	3,538,343	Upgrade
Occupancy Expenses	1,162,046	1,162,046	996,502	893,168	761,762	106,560	Upgrade
Federal Deposit Insurance	429,995	429,995	285,163	162,094	140,737	-	Upgrade
Selling, General & Administrative	2,234,777	2,234,777	2,073,075	1,194,759	947,482	321,360	Upgrade
Other Non-Interest Expense	1,308,668	1,238,784	644,283	952,027	742,961	2,193,381	Upgrade
Total Non-Interest Expense	12,050,639	11,980,755	9,129,202	8,630,709	6,382,768	6,159,644	Upgrade
EBT Excluding Unusual Items	18,057,655	16,729,995	13,016,732	10,268,056	8,069,617	5,818,222	Upgrade
Pretax Income	18,057,655	16,729,995	13,016,732	10,268,056	8,069,617	5,818,222	Upgrade
Income Tax Expense	3,665,507	3,482,347	2,680,719	2,058,586	1,616,118	1,171,125	Upgrade
Earnings From Continuing Operations	14,392,148	13,247,648	10,336,013	8,209,470	6,453,499	4,647,097	Upgrade
Minority Interest in Earnings	-504,213	-484,695	-265,115	-459,676	-399,980	-398,148	Upgrade
Net Income	13,887,935	12,762,953	10,070,898	7,749,794	6,053,519	4,248,949	Upgrade
Preferred Dividends & Other Adjustments	-	-	10,000	10,000	10,000	10,000	Upgrade
Net Income to Common	13,887,935	12,762,953	10,060,898	7,739,794	6,043,519	4,238,949	Upgrade
Net Income Growth	25.20%	26.73%	29.95%	28.02%	42.47%	17.87%	Upgrade
Basic Shares Outstanding	3,477	3,477	3,471	3,454	3,471	3,436	Upgrade
Diluted Shares Outstanding	3,477	3,477	3,471	3,454	3,471	3,436	Upgrade
Shares Change (YoY)	-0.01%	0.16%	0.50%	-0.49%	1.03%	-0.96%	Upgrade
EPS (Basic)	3994.75	3671.13	2898.51	2240.85	1741.12	1233.85	Upgrade
EPS (Diluted)	3994.75	3671.13	2898.51	2240.85	1741.12	1233.85	Upgrade
EPS Growth	25.33%	26.66%	29.35%	28.70%	41.11%	19.06%	Upgrade
Dividend Per Share	-	-	833.333	724.638	-	-	Upgrade
Dividend Growth	-	-	15.00%	-	-	-	Upgrade
Effective Tax Rate	20.30%	20.82%	20.59%	20.05%	20.03%	20.13%	Upgrade

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