BVB · Ngân hàng TMCP Bản Việt

Báo cáo tài chính gốc theo dòng/kỳ (KQKD · Cân đối · Lưu chuyển tiền tệ).

Item	2025	2024
Interest Income and Similar Income	8,192.2	6,485.7
Interest Expense and Similar Expenses	5,512.0	4,179.5
Net Interest Income	2,680.2	2,306.2
Fee and Commission Income	346.3	275.7
Fee and Commission Expenses	344.6	238.1
Net Fee and Commission Income	1.7	37.5
Net Gain/(Loss) from Foreign Currencies and Gold Trading	86.3	45.9
Net Gain/(Loss) from Investment Securities	-2.7	26.8
Other Income	158.5	64.5
Other Expenses	14.2	3.4
Net Other Income	144.3	61.1
Operating Expenses	1,707.6	1,475.2
Operating Profit before Provision for Credit Losses	1,202.1	1,002.4
Provision for Credit Losses	680.2	611.8
Profit Before Tax	521.9	390.6
Current Corporate Income Tax Expense	105.2	79.3
Corporate Income Tax	105.2	79.3
Net Profit After Tax	416.7	311.3
Net Profit Attributable to the Equity Holders of the Bank	416.7	311.3
Earnings per Share	699.00	564.00

Item	2025	2024
Cash, Gold and Precious Stones	607.8	610.9
Balances with the State Bank of Vietnam	1,537.7	2,766.2
Placements at and Loans to Other Credit Institutions	34,856.8	14,236.5
Placements at Other Credit Institutions	32,723.5	13,493.5
Loans to Other Credit Institutions	2,133.3	743.0
Derivatives and Other Financial Assets	199.5	—
Loans, Advances and Finance Leases to Customers	76,601.4	67,189.9
Loans, Advances and Finance Leases to Customers (Gross)	77,688.2	68,142.1
Provision for Losses on Loans, Advances and Finance Leases to Customers	-1,086.9	-952.2
Debt Purchased	548.0	—
Debt Purchased (Gross)	552.2	—
Provision for Debt Purchased	-4.3	—
Investment Securities	13,680.7	13,094.7
Available-for-sale Securities	10,549.7	9,233.8
Held-to-maturity Securities	3,541.4	4,073.9
Provision for Diminution in Value of Investment Securities	-410.4	-213.0
Fixed Assets	1,578.5	1,533.9
Tangible Fixed Assets	589.1	564.5
Tangible Fixed Assets Cost	986.3	908.5
Accumulated Depreciation of Tangible Fixed Assets	-397.2	-343.9
Intangible Fixed Assets	989.4	969.4
Intangible Fixed Assets Cost	1,234.6	1,194.7
Accumulated Depreciation of Intangible Fixed Assets	-245.3	-225.3
Other Assets	3,437.2	4,104.2
Accounts Receivables	344.4	1,494.4
Interest and Fee Receivables	1,869.9	1,583.2
Other Assets (Miscellaneous)	1,224.4	1,027.5
Provision for Risks in Other Assets	-1.4	-0.9
Total Assets	133,047.7	103,536.3
Due to Government and Borrowings from the State Bank of Vietnam	7,140.6	1,557.8
Placements and Borrowings from Other Credit Institutions	17,939.6	18,722.0
Placements from Other Credit Institutions	17,603.0	13,598.8
Borrowings from Other Credit Institutions	336.6	5,123.2
Deposits from Customers	71,413.7	67,389.4
Derivatives and Other Financial Liabilities	—	2.1
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	65.6	222.4
Valuable Papers Issued	26,693.5	7,525.6
Other Liabilities	2,334.1	1,962.1
Interest and Fee Payables	2,004.9	1,121.6
Other Liabilities (Miscellaneous)	329.2	840.5
Total Liabilities	125,587.2	97,381.4
Capital and Reserves	7,460.5	6,154.9
Capital	6,407.7	5,518.5
Charter Capital	6,408.2	5,518.5
Share Premium	-0.5	0.0
Reserves	320.0	258.0
Undistributed Earnings after Tax/Accumulated Loss	732.7	378.5
Total Liabilities and Equity	133,047.7	103,536.3

Item	2025	2024
Receipts from Interest and Similar Income	7,918.7	6,372.0
Payments for Interest and Similar Expenses	-4,629.0	-4,504.7
Receipts from Fee and Commission Income	1.7	37.5
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	99.3	72.5
Receipts from Other Income	76.2	7.8
Receipts from Collection of Written-off Debts	68.5	49.7
Payments for Staff Costs and Operating Expenses	-1,646.5	-1,401.2
Corporate Income Tax Paid	-130.0	-39.6
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	1,758.7	594.2
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-16,290.3	157.0
(Increase)/Decrease in Trading Securities and Investment Securities	-785.6	-1,240.3
(Increase)/Decrease in Derivatives and Other Financial Assets	-201.6	—
(Increase)/Decrease in Loans and Advances to Customers	-9,546.1	-10,373.8
(Decrease)/Increase in Provisions for Damages	-341.7	-247.8
(Increase)/Decrease in Other Operating Assets	75.1	-449.2
Increase/(Decrease) in Due to Government and Borrowings from State Bank	5,582.8	1,557.8
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	-782.3	6,215.3
Increase/(Decrease) in Deposits from Customers	4,024.2	10,250.7
Increase/(Decrease) in Valuable Papers Issued	17,913.6	-2,454.2
Increase/(Decrease) in Funds Received from Government and Institutions	-156.8	-139.4
Increase/(Decrease) in Derivatives and Other Financial Liabilities	—	-18.5
Increase/(Decrease) in Other Operating Liabilities	-475.6	457.3
Payments from Reserves	-0.3	-0.2
Net Cash Flows from Operating Activities	774.1	4,308.8
Purchase of Fixed Assets	-37.8	-225.4
Receipts from Disposal of Fixed Assets	218.5	10.6
Payments for Disposal of Fixed Assets	—	-0.1
Net Cash Flows from Investing Activities	180.7	-214.9
Receipts from Equity Issue and Owner Capital Contribution	889.2	—
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	1,254.4	1,468.5
Net Cash Flows from Financing Activities	2,143.6	-43.6
Net Cash Flows during the Period	3,098.4	4,050.3
Cash and Cash Equivalents at Beginning of the Period	16,870.6	12,820.3
Cash and Cash Equivalents at End of the Period	19,969.0	16,870.6

Item	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	2,963.1	2,613.9	2,364.2	2,087.8	1,967.8	1,772.3	1,885.3	1,559.5	1,497.6	1,543.3
Interest Expense and Similar Expenses	2,068.0	1,828.8	1,549.4	1,371.1	1,324.0	1,267.5	1,126.4	1,034.8	946.9	1,071.3
Net Interest Income	895.1	785.1	814.8	716.7	643.8	504.8	758.9	524.6	550.7	472.0
Fee and Commission Income	100.5	91.4	121.9	91.6	76.8	56.0	89.3	65.2	64.6	56.7
Fee and Commission Expenses	109.6	110.6	150.3	76.0	80.3	38.0	87.7	72.6	41.8	36.0
Net Fee and Commission Income	-9.1	-19.2	-28.4	15.6	-3.5	18.0	1.5	-7.4	22.7	20.7
Net Gain/(Loss) from Foreign Currencies and Gold Trading	21.1	51.6	10.8	22.2	20.7	32.6	8.3	1.9	17.1	18.6
Net Gain/(Loss) from Investment Securities	2.2	0.4	-1.9	-0.3	-0.3	-0.2	0.0	3.7	7.2	15.8
Other Income	71.2	102.9	35.6	94.7	26.3	1.9	17.1	7.6	13.2	7.3
Other Expenses	38.1	22.8	8.0	2.8	2.9	0.6	0.7	0.6	0.7	1.8
Net Other Income	33.2	80.2	27.6	91.9	23.4	1.3	16.3	6.9	12.5	5.5
Operating Expenses	452.8	467.7	483.7	403.1	488.0	332.7	413.7	360.1	344.2	357.1
Operating Profit before Provision for Credit Losses	489.7	430.5	339.3	442.9	196.1	223.9	371.4	169.7	266.1	175.5
Provision for Credit Losses	157.9	214.8	254.1	99.6	182.8	143.7	162.7	140.5	182.6	106.2
Profit Before Tax	331.8	215.6	85.2	343.3	13.2	80.2	208.7	29.2	83.4	69.3
Current Corporate Income Tax Expense	66.9	43.3	17.2	69.1	2.9	16.1	42.0	6.2	17.2	14.1
Corporate Income Tax	66.9	43.3	17.2	69.1	2.9	16.1	42.0	6.2	17.2	14.1
Net Profit After Tax	264.8	172.4	68.0	274.2	10.3	64.1	166.7	23.0	66.3	55.3
Net Profit Attributable to the Equity Holders of the Bank	264.8	172.4	68.0	274.2	10.3	64.1	166.7	23.0	66.3	55.3
Earnings per Share	—	269.00	—	—	—	116.00	—	—	—	110.00

Item	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	490.4	615.3	607.8	513.3	695.3	656.7	610.9	675.4	647.2	541.8
Balances with the State Bank of Vietnam	2,745.3	795.1	1,537.7	2,550.8	1,340.6	1,287.8	2,766.2	2,019.0	1,207.1	1,085.6
Placements at and Loans to Other Credit Institutions	34,859.8	37,241.0	34,856.8	25,270.2	19,977.2	16,263.9	14,236.5	15,240.0	12,999.4	9,342.9
Placements at Other Credit Institutions	34,859.8	36,596.0	32,723.5	25,270.2	19,880.7	16,077.9	13,493.5	15,150.0	12,999.4	9,142.9
Loans to Other Credit Institutions	—	645.0	2,133.3	—	96.5	186.0	743.0	90.0	—	200.0
Derivatives and Other Financial Assets	137.1	—	199.5	—	2.4	0.0	—	0.4	—	8.9
Loans, Advances and Finance Leases to Customers	82,214.6	78,099.5	76,601.4	75,911.7	71,475.7	69,732.3	67,111.2	63,104.4	58,702.1	56,234.8
Loans, Advances and Finance Leases to Customers (Gross)	83,385.1	79,226.1	77,688.2	77,089.8	72,601.4	70,821.5	68,063.4	64,080.9	59,588.8	57,095.7
Provision for Losses on Loans, Advances and Finance Leases to Customers	-1,170.5	-1,126.6	-1,086.9	-1,178.1	-1,125.7	-1,089.1	-952.2	-976.5	-886.7	-860.9
Debt Purchased	1,326.3	683.1	548.0	594.8	828.3	887.5	—	4.5	—	—
Debt Purchased (Gross)	1,336.4	688.3	552.2	599.4	834.6	894.2	—	4.5	—	—
Provision for Debt Purchased	-10.0	-5.2	-4.3	-4.6	-6.3	-6.7	—	—	—	—
Investment Securities	14,706.6	13,517.6	13,680.7	13,150.8	15,863.8	15,729.4	13,094.7	13,068.6	11,502.7	11,433.1
Available-for-sale Securities	11,802.0	10,548.6	10,549.7	9,734.4	10,169.2	9,776.5	9,233.8	9,389.5	7,562.4	7,267.7
Held-to-maturity Securities	3,443.7	3,473.9	3,541.4	3,690.9	5,941.3	6,165.9	4,073.9	3,826.6	4,037.0	4,211.8
Provision for Diminution in Value of Investment Securities	-539.1	-504.9	-410.4	-274.5	-246.6	-213.0	-213.0	-147.5	-96.7	-46.3
Fixed Assets	1,555.3	1,562.8	1,578.5	1,512.7	1,516.9	1,531.1	1,533.9	1,365.2	1,280.7	1,296.2
Tangible Fixed Assets	570.6	575.6	589.1	546.7	557.1	563.3	564.5	540.8	479.3	490.1
Tangible Fixed Assets Cost	995.1	986.3	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-424.6	-410.8	—	—	—	—	—	—	—	—
Intangible Fixed Assets	984.7	987.2	989.4	966.0	959.8	967.8	969.4	824.4	801.4	806.1
Intangible Fixed Assets Cost	1,240.1	1,237.5	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-255.3	-250.3	—	—	—	—	—	—	—	—
Other Assets	3,939.1	4,369.6	3,437.2	3,101.3	3,809.3	4,029.5	4,182.9	3,942.0	4,150.4	4,013.5
Accounts Receivables	412.2	795.4	344.4	993.2	1,289.6	1,329.6	1,494.4	2,179.0	1,660.0	1,755.6
Interest and Fee Receivables	2,856.1	2,628.6	1,869.9	1,311.1	1,752.0	1,574.4	1,583.2	1,144.0	1,684.2	1,704.4
Other Assets (Miscellaneous)	680.9	955.2	1,224.4	798.4	769.0	1,126.4	1,106.1	619.0	806.3	553.5
Provision for Risks in Other Assets	-10.2	-9.6	-1.4	-1.4	-1.4	-0.9	-0.9	—	—	—
Total Assets	141,974.4	136,884.2	133,047.7	122,605.6	115,509.4	110,118.1	103,536.3	99,419.6	90,489.5	83,956.7
Due to Government and Borrowings from the State Bank of Vietnam	7,797.3	6,537.4	7,140.6	3,504.9	3,627.0	1,571.8	1,557.8	1,567.1	297.7	—
Placements and Borrowings from Other Credit Institutions	17,504.0	18,759.1	17,939.6	16,630.4	21,116.1	16,782.1	18,722.0	23,303.5	19,022.7	8,419.1
Placements from Other Credit Institutions	17,504.0	18,759.1	17,603.0	15,660.3	18,474.4	14,632.4	13,598.8	19,816.8	17,361.8	8,195.6
Borrowings from Other Credit Institutions	—	—	336.6	970.2	2,641.7	2,149.6	5,123.2	3,486.7	1,661.0	223.5
Deposits from Customers	81,338.1	74,032.8	71,413.7	69,622.5	68,796.5	71,012.3	67,389.4	60,432.8	57,487.5	59,662.5
Derivatives and Other Financial Liabilities	—	21.2	—	9.0	—	—	2.1	—	1.1	—
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	65.7	65.6	65.6	65.8	228.2	223.7	222.4	215.2	253.5	248.2
Valuable Papers Issued	24,427.9	27,305.0	26,693.5	23,171.7	12,609.8	12,484.5	7,525.6	6,559.2	6,035.1	7,988.3
Other Liabilities	2,919.9	2,506.6	2,334.1	2,219.4	2,212.3	1,824.5	1,962.1	1,308.7	1,375.7	1,680.2
Interest and Fee Payables	2,596.6	2,164.7	2,004.9	1,808.3	1,760.7	1,429.2	1,121.6	986.3	1,082.7	1,428.4
Other Liabilities (Miscellaneous)	323.3	342.0	329.2	411.1	451.5	395.3	840.5	322.3	293.0	251.8
Total Liabilities	134,052.8	129,227.6	125,587.2	115,223.8	108,589.8	103,898.9	97,381.4	93,386.4	84,473.4	77,998.3
Capital and Reserves	7,921.6	7,656.6	7,460.5	7,381.8	6,919.6	6,219.2	6,154.9	6,033.2	6,016.1	5,958.4
Capital	6,407.7	6,407.7	6,407.7	6,407.7	6,208.2	5,518.5	5,518.5	5,518.5	5,016.8	5,016.8
Charter Capital	6,408.2	6,408.2	6,408.2	6,408.2	6,208.2	5,518.5	5,518.5	5,518.5	5,016.8	5,016.8
Share Premium	-0.5	-0.5	-0.5	-0.5	0.0	0.0	0.0	0.0	0.0	0.0
Reserves	399.2	320.0	320.0	320.2	320.2	258.0	258.0	258.1	258.1	249.7
Foreign Exchange Differences	23.9	23.7	—	-11.0	0.4	0.2	—	44.7	50.7	59.3
Undistributed Earnings after Tax/Accumulated Loss	1,090.8	905.1	732.7	664.9	390.7	442.6	378.5	211.9	690.6	632.6
Total Liabilities and Equity	141,974.4	136,884.2	133,047.7	122,605.6	115,509.4	110,118.1	103,536.3	99,419.6	90,489.5	83,956.7

Item	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Receipts from Interest and Similar Income	2,713.2	1,874.4	1,801.4	2,548.6	1,788.9	1,779.8	1,448.1	2,100.4	1,516.0	1,307.5
Payments for Interest and Similar Expenses	-1,636.8	-1,649.7	-1,373.4	-1,332.2	-977.5	-946.0	-966.8	-1,056.5	-1,230.2	-1,251.2
Receipts from Fee and Commission Income	-9.1	-19.2	-28.4	15.6	-3.5	18.0	1.5	-7.4	22.7	20.7
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	48.1	14.5	30.2	14.8	21.9	32.5	8.3	5.6	24.7	33.9
Receipts from Other Income	-12.6	1.2	3.9	72.1	-0.6	0.8	3.6	1.2	2.8	0.2
Receipts from Collection of Written-off Debts	45.8	79.3	24.0	19.8	24.1	0.6	12.8	5.7	29.5	1.6
Payments for Staff Costs and Operating Expenses	-377.8	-510.1	-436.3	-391.7	-344.7	-473.8	-403.3	-330.4	-299.3	-368.3
Corporate Income Tax Paid	-43.3	-17.2	-69.1	-2.9	-16.1	-41.9	-6.2	-17.2	-13.2	-3.0
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	727.4	-226.8	-47.7	944.1	492.5	369.9	98.2	701.5	53.1	-258.6
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-605.0	1,068.3	-6,133.3	-7,303.5	-3,410.5	557.0	-653.0	-90.0	200.0	700.0
(Increase)/Decrease in Trading Securities and Investment Securities	-1,223.6	68.6	-665.8	2,683.0	-168.1	-2,634.7	-91.6	-1,616.7	-119.9	587.9
(Increase)/Decrease in Derivatives and Other Financial Assets	-137.1	199.5	-197.2	—	-4.4	-0.0	—	8.5	—	-8.9
(Increase)/Decrease in Loans and Advances to Customers	-4,159.0	-1,537.8	-598.4	-4,488.4	-1,779.9	-2,679.4	-4,061.2	-4,492.1	-2,493.1	672.5
(Decrease)/Increase in Provisions for Damages	-74.5	-79.7	-209.8	-18.9	-113.0	—	-121.5	0.0	-126.3	—
(Increase)/Decrease in Other Operating Assets	-429.2	181.7	177.9	488.2	325.9	-916.9	97.9	-343.5	-224.7	21.0
Increase/(Decrease) in Due to Government and Borrowings from State Bank	1,259.9	-603.2	3,635.7	-122.1	2,055.2	14.0	-9.3	1,269.4	297.7	—
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	-1,255.1	819.4	1,309.2	-4,485.6	4,334.0	-1,939.9	-4,581.6	4,280.8	10,603.6	-4,087.6
Increase/(Decrease) in Deposits from Customers	7,305.3	2,619.1	1,791.2	826.0	-2,215.8	3,622.9	6,956.7	2,945.3	-2,175.1	2,523.8
Increase/(Decrease) in Valuable Papers Issued	-2,877.1	611.5	3,521.8	10,561.9	125.2	3,704.6	1,350.8	-944.5	-1,853.2	-1,007.4
Increase/(Decrease) in Funds Received from Government and Institutions	0.1	—	-0.2	-162.3	4.5	1.3	7.2	-38.4	5.3	-113.5
Increase/(Decrease) in Derivatives and Other Financial Liabilities	—	21.2	—	9.0	—	-2.1	2.1	-1.1	1.1	-20.6
Increase/(Decrease) in Other Operating Liabilities	-48.3	-8.4	-34.9	-107.7	71.3	-404.3	466.7	39.4	37.6	-86.4
Payments from Reserves	—	—	-0.4	—	0.1	—	-0.2	—	—	—
Net Cash Flows from Operating Activities	-1,537.3	3,133.3	2,536.8	-1,174.1	-281.0	-307.6	-538.3	1,709.8	4,215.2	-1,077.8
Purchase of Fixed Assets	376.1	-439.6	-13.0	3.3	-14.4	-13.7	-12.9	-181.6	-23.2	-7.8
Receipts from Disposal of Fixed Assets	0.0	—	0.0	-0.0	0.0	218.5	6.5	0.0	-0.0	4.1
Payments for Disposal of Fixed Assets	—	—	—	—	—	—	0.0	0.0	0.0	-0.1
Net Cash Flows from Investing Activities	376.1	-439.6	-13.0	3.3	-14.4	204.8	-6.4	-181.6	-23.2	-3.7
Receipts from Equity Issue and Owner Capital Contribution	—	—	0.0	199.8	689.4	—	—	—	—	—
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	—	—	0.0	0.0	0.0	1,254.4	0.0	1,468.5	—	—
Net Cash Flows from Financing Activities	—	—	0.0	199.8	689.4	1,254.4	-384.4	1,468.5	-100.0	-1,027.7
Net Cash Flows during the Period	-1,161.2	2,693.7	2,523.8	-970.9	394.0	1,151.6	-929.1	2,996.7	4,092.0	-2,109.3
Cash and Cash Equivalents at Beginning of the Period	22,686.4	19,969.0	17,434.3	18,416.6	18,022.4	16,870.6	17,844.4	14,853.7	10,770.3	12,820.3
Exchange Difference due to Re-valuation of Ending Balances	0.2	23.7	—	-11.0	0.4	0.2	—	44.7	50.7	59.3
Cash and Cash Equivalents at End of the Period	21,525.4	22,686.4	19,969.0	17,434.3	18,416.6	18,022.4	16,870.6	17,844.4	14,853.7	10,770.3

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