Saigon - Hanoi Commercial Joint Stock Bank (HOSE:SHB)

HOSE:SHB 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	100,559,463	94,199,072	56,196,754	54,354,230	58,396,240	33,550,201
Investment Securities	29,764,950	32,777,266	32,478,108	33,001,375	25,236,229	28,772,738
Trading Asset Securities	1,821	4,910,456	7,792,742	271,319	255,693	134,832
Total Investments	29,766,771	37,687,722	40,270,850	33,272,694	25,491,922	28,907,570
Gross Loans	592,678,707	544,663,251	447,305,580	396,285,186	371,008,883	305,733,885
Allowance for Loan Losses	-9,651,681	-8,796,841	-9,219,828	-7,157,566	-4,677,310	-3,438,254
Net Loans	583,027,026	535,866,410	438,085,752	389,127,620	366,331,573	302,295,631
Property, Plant & Equipment	825,432	1,770,976	1,696,350	1,630,329	1,002,585	797,548
Other Intangible Assets	4,496,466	4,501,143	4,494,438	4,451,542	4,442,784	4,333,077
Investments in Real Estate	-	-	-	-	4,948	4,948
Accrued Interest Receivable	18,569,953	12,221,898	13,949,182	15,295,742	6,132,269	7,560,625
Other Receivables	16,383,064	32,413,500	17,812,888	27,971,957	30,610,993	19,622,737
Restricted Cash	35,473,344	27,436,936	54,763,646	15,145,862	13,412,927	14,029,805
Other Real Estate Owned & Foreclosed	-	702,290	1,052,516	53,141	1,443	587,696
Other Long-Term Assets	1,640,802	678,122	2,178,309	1,124,968	776,644	989,755
Total Assets	790,742,321	747,478,069	630,500,685	542,428,085	506,604,328	412,679,593
Accounts Payable	-	-	-	522,086	334,929	1,895,040
Accrued Expenses	190,586	196,045	144,675	112,264	43,878	45,411
Interest Bearing Deposits	596,325,957	560,948,603	457,453,525	380,342,308	344,115,293	287,612,301
Non-Interest Bearing Deposits	62,638,360	62,674,039	55,335,991	54,204,324	57,510,117	37,807,372
Total Deposits	658,964,317	623,622,642	512,789,516	434,546,632	401,625,410	325,419,673
Short-Term Borrowings	9,466,606	11,669,710	6,911,014	15,128,090	6,814,951	17,734,158
Current Portion of Long-Term Debt	-	13,153,394	-	-	14,620,249	10,798,563
Current Income Taxes Payable	-	-	-	1,746,517	287,618	275,535
Accrued Interest Payable	11,562,205	10,591,116	14,025,631	9,069,320	7,687,455	8,633,097
Other Current Liabilities	-	-	-	-	2,902,035	-
Long-Term Debt	46,863,056	27,524,451	44,432,962	38,055,813	36,624,035	23,748,483
Long-Term Deferred Tax Liabilities	-	22,049	36,030	30,233	31,026	34,837
Other Long-Term Liabilities	2,222,415	2,631,318	2,062,577	312,659	101,077	58,576
Total Liabilities	729,269,185	689,410,725	580,402,405	499,523,614	471,072,663	388,643,373
Common Stock	40,657,470	36,629,085	36,193,981	30,673,832	26,673,698	17,510,091
Additional Paid-In Capital	1,449,603	1,449,603	1,449,603	1,449,603	1,449,603	101,716
Retained Earnings	19,688,132	20,304,232	13,147,972	11,391,618	7,706,267	6,526,481
Treasury Stock	-5,260	-5,260	-5,260	-5,260	-5,260	-5,260
Comprehensive Income & Other	-316,809	-310,316	-688,016	-605,322	-292,643	-96,808
Total Common Equity	61,473,136	58,067,344	50,098,280	42,904,471	35,531,665	24,036,220
Shareholders' Equity	61,473,136	58,067,344	50,098,280	42,904,471	35,531,665	24,036,220
Total Liabilities & Equity	790,742,321	747,478,069	630,500,685	542,428,085	506,604,328	412,679,593
Total Debt	56,329,662	52,347,555	51,343,976	53,183,903	58,059,235	52,281,204
Net Cash (Debt)	44,743,221	46,761,973	12,645,520	1,441,646	592,698	-18,596,171
Net Cash Growth	231.44%	269.79%	777.16%	143.23%	-	-
Net Cash Per Share	11006.41	11567.30	3144.29	358.89	162.92	-5348.22
Filing Date Shares Outstanding	4,065	3,662	4,017	4,017	4,017	3,205
Total Common Shares Outstanding	4,065	3,662	4,017	4,017	4,017	3,205
Book Value Per Share	15121.81	15854.94	12471.62	10680.70	8845.25	7499.69
Tangible Book Value	56,976,670	53,566,201	45,603,842	38,452,929	31,088,881	19,703,143
Tangible Book Value Per Share	14015.72	14625.93	11352.76	9572.53	7739.27	6147.70

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