Southeast Asia Commercial Joint Stock Bank (HOSE:SSB)

HOSE:SSB 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	1,088,414	68,883,426	46,659,323	42,500,272	36,309,520	26,653,407
Investment Securities	131,099,080	19,694,524	14,348,658	8,708,258	16,904,873	32,283,216
Trading Asset Securities	10,264,524	8,866,716	8,353,236	3,987,085	13,082,630	2,838,453
Total Investments	141,363,604	28,561,240	22,701,894	12,695,343	29,987,503	35,121,669
Gross Loans	222,968,165	211,678,903	182,642,443	157,561,937	134,945,144	108,969,236
Allowance for Loan Losses	-3,172,443	-3,281,433	-2,978,019	-2,433,009	-1,781,617	-1,108,322
Net Loans	219,795,722	208,397,470	179,664,424	155,128,928	133,163,527	107,860,914
Property, Plant & Equipment	508,877	488,465	551,265	427,189	286,268	283,496
Goodwill	-	267,021	338,226	409,431	480,637	551,843
Other Intangible Assets	946,327	878,565	718,033	658,503	596,235	578,991
Investments in Real Estate	56,855	54,010	56,584	58,047	65,564	240,934
Accrued Interest Receivable	4,294,359	2,581,613	3,318,857	2,594,093	1,679,591	2,598,213
Other Receivables	2,599,536	2,202,813	7,092,858	5,490,462	1,991,841	1,282,827
Restricted Cash	6,163,000	11,299,668	2,799,895	9,826,851	4,799,360	3,374,359
Other Current Assets	-	-	-	1,505,438	1,288,185	540,036
Other Real Estate Owned & Foreclosed	-	-	-	140,359	908,982	961,936
Other Long-Term Assets	2,269,948	2,084,557	2,220,556	-11,860	106,302	158,663
Total Assets	379,086,642	325,698,848	266,121,915	231,423,056	211,663,515	180,207,288
Accrued Expenses	402,413	242,006	167,114	66,308	30,877	13,627
Interest Bearing Deposits	223,986,035	182,140,505	168,378,313	141,828,127	124,576,621	127,564,957
Non-Interest Bearing Deposits	32,951,880	42,074,805	23,508,492	17,984,909	20,760,748	11,100,112
Total Deposits	256,937,915	224,215,310	191,886,805	159,813,036	145,337,369	138,665,069
Short-Term Borrowings	702,967	303,574	107,131	14,963	47,804	-
Current Portion of Long-Term Debt	38,192,312	28,564,683	16,733,537	9,838,696	3,925,963	4,763,022
Current Income Taxes Payable	1,034,529	812,283	555,416	434,315	302,044	186,013
Accrued Interest Payable	4,251,759	2,922,277	3,743,466	3,699,830	2,947,979	3,065,150
Other Current Liabilities	10,908	13,270	9,978	-	-	-
Long-Term Debt	37,633,465	33,359,525	22,303,459	30,959,482	40,114,286	19,636,641
Long-Term Unearned Revenue	134	2,157	1,718	517	634	492
Other Long-Term Liabilities	359,370	260,908	316,452	363,689	293,295	206,896
Total Liabilities	339,525,772	290,695,993	235,825,076	205,190,836	193,000,251	166,536,910
Common Stock	28,450,000	28,350,000	24,957,000	20,402,983	14,784,884	12,087,442
Additional Paid-In Capital	3,167	3,167	106,167	1,204,184	810,623	-
Retained Earnings	8,442,277	6,649,688	5,233,672	4,625,053	3,067,757	1,582,936
Comprehensive Income & Other	2,665,426	-	-	-	-	-
Shareholders' Equity	39,560,870	35,002,855	30,296,839	26,232,220	18,663,264	13,670,378
Total Liabilities & Equity	379,086,642	325,698,848	266,121,915	231,423,056	211,663,515	180,207,288
Total Debt	76,528,744	62,227,782	39,144,127	40,813,141	44,088,053	24,399,663
Net Cash (Debt)	42,571,569	15,522,360	15,868,432	5,674,216	5,304,097	5,092,197
Net Cash Growth	168.28%	-2.18%	179.66%	6.98%	4.16%	1542.09%
Net Cash Per Share	14999.33	5475.26	5678.93	1980.78	2111.80	2270.69
Filing Date Shares Outstanding	2,845	2,835	2,835	2,787	2,411	2,700
Total Common Shares Outstanding	2,845	2,835	2,835	2,787	2,411	2,700
Book Value Per Share	13905.40	12346.69	10686.72	9411.28	7742.31	5063.60
Tangible Book Value	38,614,543	33,857,269	29,240,580	25,164,286	17,586,392	12,539,544
Tangible Book Value Per Share	13572.77	11942.60	10314.15	9028.14	7295.58	4644.73

Updated Jan 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.