Saigon Thuong Tin Commercial Joint Stock Bank (HOSE:STB)

HOSE:STB 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	84,160,634	90,719,953	59,095,832	34,181,832	17,956,387	26,813,979
Investment Securities	84,088,055	85,730,381	74,718,487	68,889,499	69,755,897	75,280,720
Trading Asset Securities	-	-	-	109,858	-	19,677
Total Investments	84,088,055	85,730,381	74,718,487	68,999,357	69,755,897	75,300,397
Gross Loans	564,822,010	546,957,624	482,979,410	439,100,624	388,955,032	341,335,674
Allowance for Loan Losses	-10,566,359	-8,866,655	-7,562,014	-5,652,252	-7,014,476	-5,415,951
Net Loans	554,255,651	538,090,969	475,417,396	433,448,372	381,940,556	335,919,723
Property, Plant & Equipment	4,373,022	5,133,064	5,234,281	5,144,567	5,005,955	5,139,481
Other Intangible Assets	2,984,455	2,979,930	2,986,668	3,057,882	3,676,602	3,828,940
Accrued Interest Receivable	5,486,655	4,510,770	4,963,937	4,775,486	9,490,987	17,043,268
Other Receivables	3,693,123	1,587,920	35,267,985	25,393,565	15,903,804	12,951,407
Restricted Cash	16,074,591	15,773,102	11,411,884	10,922,463	10,114,238	8,560,941
Other Current Assets	-	1,303,173	2,199,846	3,067,167	2,747,289	2,148,544
Long-Term Deferred Tax Assets	542,526	542,460	397,824	242,847	405,006	450,454
Other Real Estate Owned & Foreclosed	-	362,903	1,516,872	1,562,790	2,996,238	3,061,553
Other Long-Term Assets	1,434,614	78,302	93,409	75,225	257,217	275,489
Total Assets	757,093,326	748,094,546	674,389,660	591,907,695	521,117,123	492,516,029
Accounts Payable	-	-	-	57,894	86,040	57,238
Accrued Expenses	-	3,946,486	3,600,726	3,269,136	2,542,886	2,001,458
Interest Bearing Deposits	657,916,941	548,761,346	470,467,053	491,140,079	455,771,455	442,011,741
Non-Interest Bearing Deposits	10,099,351	111,327,644	101,918,691	4,572,634	2,045,127	1,092,626
Total Deposits	668,016,292	660,088,990	572,385,744	495,712,713	457,816,582	443,104,367
Short-Term Borrowings	275,515	54,007	91,459	-	108,003	-
Current Portion of Long-Term Debt	-	25,352	10,081	-	-	-
Current Income Taxes Payable	-	1,303,618	1,061,338	311,593	334,773	540,819
Accrued Interest Payable	9,057,440	8,829,353	12,069,907	7,874,317	6,466,151	7,374,043
Other Current Liabilities	-	1,282,039	7,794,175	4,790,576	2,031,829	1,449,794
Long-Term Debt	12,802,792	14,809,894	5,896,477	24,141,817	6,839,637	4,264,602
Long-Term Unearned Revenue	-	136,384	135,312	314,756	591,600	124,696
Long-Term Deferred Tax Liabilities	29,811	29,811	29,660	29,460	28,418	25,543
Other Long-Term Liabilities	9,049,099	2,616,542	25,580,917	16,778,437	10,009,868	4,617,227
Total Liabilities	699,230,949	693,122,476	628,655,796	553,280,699	486,855,787	463,559,787
Common Stock	18,852,157	18,852,157	18,852,157	18,852,157	18,852,157	18,852,157
Additional Paid-In Capital	1,747,651	1,747,651	1,747,651	1,747,651	1,747,651	63,612
Retained Earnings	31,326,809	28,426,115	20,386,614	18,194,906	13,622,391	10,640,127
Treasury Stock	-	-	-	-	-	-750,911
Comprehensive Income & Other	5,935,760	5,946,147	4,747,442	-167,718	39,137	151,257
Total Common Equity	57,862,377	54,972,070	45,733,864	38,626,996	34,261,336	28,956,242
Shareholders' Equity	57,862,377	54,972,070	45,733,864	38,626,996	34,261,336	28,956,242
Total Liabilities & Equity	757,093,326	748,094,546	674,389,660	591,907,695	521,117,123	492,516,029
Total Debt	13,078,307	14,889,253	5,998,017	24,141,817	6,947,640	4,264,602
Net Cash (Debt)	71,082,327	75,830,700	53,097,815	10,149,873	11,008,747	22,569,054
Net Cash Growth	-	42.81%	423.14%	-7.80%	-51.22%	21.00%
Net Cash Per Share	37705.14	40223.88	28165.38	5383.93	5976.10	12512.97
Filing Date Shares Outstanding	1,885	1,885	1,885	1,885	1,885	1,804
Total Common Shares Outstanding	1,885	1,885	1,885	1,885	1,885	1,804
Book Value Per Share	30692.71	29159.56	24259.22	20489.43	18173.70	16054.22
Tangible Book Value	54,877,922	51,992,140	42,747,196	35,569,114	30,584,734	25,127,302
Tangible Book Value Per Share	29109.62	27578.88	22674.96	18867.40	16223.47	13931.34

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