CTG

Ngân hàng TMCP Công Thương Việt Nam ·HOSE ·2026Q1

▼ FUNDING UNDER PRESSURE

Operations are weakening LDR 101.0%, +1.6 pp QoQ

Price

34,100

Latest close

04 Jun 2026

P/B 1.4x

ROAE (TTM) 22.2%

NIM (TTM) 2.7%

ROAA (TTM) 1.4%

LDR 101.0%

Bank Picture

CTG bank opening narrative plan rendered.

	                            
	                                LDR
	                            
	                                    101.0%
	                                
+1.6 pp QoQ

	                            
	                                Market funding share
	                            
	                                    25.1%
	                                
+0.3 pp QoQ

	                            
	                                Funding cost
	                            
	                                    3.13%
	                                
+0.2 pp YoY

Metric	2025	2024
Net Interest Income	66.453,2	62.402,8
NIM	2,66%	2,69%
Net Fee Income	6.329,0	6.696,0
Provision Expense	17.298,1	27.598,8
Net Profit After Tax	34.871,3	25.482,6

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	19.385,2	17.959,7	17.175,7	15.842,6	15.475,2	16.312,2	15.577,5	15.338,9	15.174,2
NII Growth YoY	+25%	+10%	+10%	+3%	+2%	—	—	—	—
NIM	2,69%	2,66%	2,67%	2,73%	2,85%	2,89%	—	—	—
Net Fee Income	1.847,0	1.696,9	1.587,3	1.434,2	1.610,5	1.239,7	1.801,4	1.886,2	1.778,8
Provision Expense	7.700,9	350,9	5.863,4	2.972,8	8.111,0	2.464,3	9.268,7	7.816,7	8.049,2
Net Profit After Tax	8.960,0	11.093,6	8.512,5	9.752,0	5.499,4	9.870,6	5.192,5	5.409,4	5.002,5
Net Income Growth YoY	+63%	+12%	+64%	+80%	+10%	—	—	—	—

Drivers of CTG's profit

TTM

Net profit attributable to parent increased vs last year, mainly helped by lower provision for credit losses. Supporting and offsetting drivers:

Provision for credit losses −VND 10,772.6bn

Net interest income +VND 7,659.4bn

Other income +VND 674.2bn

Investment securities +VND 589.6bn

Trading securities +VND 196.1bn

Operating expenses +VND 4,029.3bn

TTM

Net profit attributable to parent increased vs prior quarter, mainly helped by higher net interest income. Supporting and offsetting drivers:

Net interest income +VND 3,909.9bn

Provision for credit losses −VND 410.0bn

Investment securities +VND 301.4bn

Other income +VND 262.2bn

Net fee income +VND 236.5bn

Corporate income tax +VND 855.5bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Liquidity balance is tightening, with LDR up to 101.0% and near-term funding room looking thinner than last quarter.

Reserve buffer on gross loans is around 1.70%. LDR stands at 101.0%.

Credit reading currently relies mainly on credit cost and reserve buffer; NPL, group-2, and bad-debt coverage signals will be added next.

Watchpoints

LDR is stretched

LDR stands at 101.0%, leaving less room on liquidity.

Key signals

Credit cost 0.65% −0.0pp

Reserve / Gross loans 1.70% −0.0pp

LDR 101.0% +1.6pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread deserves closer monitoring because funding cost is already at 3.13%, even if pressure is not yet as severe as in clearer compression cases.

In the period, NIM reached 2.69%, −0.2pp YoY; asset yield was 5.82%, +0.1pp; while funding cost was 3.13%, +0.2pp. This suggests spread has become less favorable than before, though not yet in a clearly deteriorating two-sided way.

Key signals

NIM 2.69% −0.2pp

Asset yield 5.82% +0.1pp

Funding cost 3.13% +0.2pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings mix currently looks balanced.

Nii accounts for 76.5% of toi, fee income is 7.1% of toi, other income is 11.3% of toi, cir stands at 29.7%, net profit equals 41.7% of toi.

Watchpoints

Fee-income base is thin

Fee income currently contributes only 7.1% of total operating income.

Key signals

NII / TOI 76.5% +0.4pp

Fee / TOI 7.1% −0.1pp

Other income / TOI 11.3% −0.3pp

CIR 29.7% −0.7pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

Liquidity balance is tightening, with LDR up to 101.0% and implying balance-sheet usage is running ahead of funding cushion.

Ldr stands at 101.0%, equity equals 6.5% of assets, customer funding accounts for 74.9% of interest-bearing funding, market funding accounts for 25.1%.

Watchpoints

LDR is stretched

LDR stands at 101.0%, leaving less room on liquidity.

Capital buffer looks thin

Equity currently accounts for only 6.5% of ending assets.

Key signals

LDR 101.0% +1.6pp

Equity / Assets 6.5% −0.0pp

Customer funding 74.9% −0.3pp

Market funding 25.1% +0.3pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability is under clearer pressure as provisioning is rising sharply, with ROAA currently at 1.42%.

Net income on average earning assets is 1.47%, nim stands at 2.69%, credit cost is 0.65%, cir stands at 29.7%, average leverage is around 15.74 times.

Watchpoints

Average leverage is elevated

Average leverage is currently around 15.74 times.

Provisioning is rising sharply

Quarterly provision expense increased 2094.5% QoQ.

Key signals

ROAA 1.42% +0.1pp

ROAE 22.36% +1.2pp

NI / Avg EA 1.47% +0.1pp

Quarterly provision VND 7,701bn +2094.5% QoQ

2026Q1

Investment Takeaway

CTG bank investment takeaway — funding under pressure. [Placeholder for EN translation.]

[Placeholder for EN evidence line 1.]

[Placeholder for EN evidence line 2.]

[Placeholder for EN conclusion.]

Statement Data

Item	2025	2024
Interest Income and Similar Income	143,142.3	124,460.7
Interest Expense and Similar Expenses	76,689.1	62,057.9
Net Interest Income	66,453.2	62,402.8
Fee and Commission Income	12,351.1	12,232.8
Fee and Commission Expenses	6,022.1	5,536.8
Net Fee and Commission Income	6,329.0	6,696.0
Net Gain/(Loss) from Foreign Currencies and Gold Trading	3,120.5	4,196.7
Net Gain/(Loss) from Trading Securities	703.8	91.8
Net Gain/(Loss) from Investment Securities	152.6	-288.0
Other Income	11,772.8	10,687.7
Other Expenses	1,677.4	2,268.9
Net Other Income	10,095.4	8,418.8
Income from Capital Contribution and Long-term Investments	440.4	390.6
Operating Expenses	26,552.9	22,545.9
Operating Profit before Provision for Credit Losses	60,741.9	59,362.8
Provision for Credit Losses	17,298.1	27,598.8
Profit Before Tax	43,443.8	31,763.9
Current Corporate Income Tax Expense	8,568.6	6,285.9
Deferred Income Tax Expense	3.9	-4.5
Corporate Income Tax	8,572.5	6,281.4
Net Profit After Tax	34,871.3	25,482.6
Minority Interest	266.8	134.4
Net Profit Attributable to the Equity Holders of the Bank	34,604.5	25,348.2
Earnings per Share	4,455.00	4,720.00

Item	2025	2024
Cash, Gold and Precious Stones	12,583.5	11,147.5
Balances with the State Bank of Vietnam	35,225.5	34,431.7
Placements at and Loans to Other Credit Institutions	476,487.5	378,482.9
Placements at Other Credit Institutions	463,381.2	370,530.0
Loans to Other Credit Institutions	13,106.4	7,952.8
Trading Securities	2,942.4	2,798.9
Trading Securities (Gross)	3,044.2	2,990.7
Provision for Diminution in Value of Trading Securities	-101.7	-191.8
Derivatives and Other Financial Assets	228.4	—
Loans, Advances and Finance Leases to Customers	1,957,462.5	1,685,290.6
Loans, Advances and Finance Leases to Customers (Gross)	1,992,272.9	1,721,954.7
Provision for Losses on Loans, Advances and Finance Leases to Customers	-34,810.4	-36,664.1
Investment Securities	211,880.4	214,607.2
Available-for-sale Securities	203,605.1	188,557.5
Held-to-maturity Securities	8,806.9	26,635.9
Provision for Diminution in Value of Investment Securities	-531.6	-586.2
Capital Contribution and Other Long-term Investments	4,428.3	3,933.8
Investments in Associates and Joint Ventures	4,193.8	3,706.7
Other Long-term Investments	234.5	234.5
Provision for Diminution in Value of Long-term Investments	—	-7.3
Fixed Assets	10,826.7	10,002.2
Tangible Fixed Assets	6,729.0	6,149.2
Tangible Fixed Assets Cost	18,510.9	17,253.6
Accumulated Depreciation of Tangible Fixed Assets	-11,781.9	-11,104.4
Intangible Fixed Assets	4,097.7	3,852.9
Intangible Fixed Assets Cost	7,363.9	6,927.8
Accumulated Depreciation of Intangible Fixed Assets	-3,266.1	-3,074.9
Other Assets	55,633.9	44,693.0
Accounts Receivables	33,305.8	27,766.9
Interest and Fee Receivables	17,174.0	13,312.6
Deferred Income Tax Assets	0.4	4.4
Other Assets (Miscellaneous)	5,262.4	3,715.6
Provision for Risks in Other Assets	-108.7	-106.4
Total Assets	2,767,699.3	2,385,387.7
Due to Government and Borrowings from the State Bank of Vietnam	144,592.4	154,284.1
Placements and Borrowings from Other Credit Institutions	417,724.1	276,141.3
Placements from Other Credit Institutions	399,558.6	253,519.6
Borrowings from Other Credit Institutions	18,165.6	22,621.6
Deposits from Customers	1,793,732.1	1,606,316.7
Derivatives and Other Financial Liabilities	—	390.8
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	2,113.9	2,179.9
Valuable Papers Issued	174,030.4	151,678.1
Other Liabilities	55,851.5	45,892.1
Interest and Fee Payables	26,660.5	21,026.5
Other Liabilities (Miscellaneous)	26,346.0	22,102.2
Total Liabilities	2,588,044.3	2,236,883.0
Capital and Reserves	179,655.0	148,504.7
Capital	88,218.7	63,584.0
Charter Capital	77,669.4	53,699.9
Share Premium	8,974.7	8,974.7
Other Capital	1,574.6	909.4
Reserves	31,654.4	25,316.8
Foreign Exchange Differences	362.7	243.1
Undistributed Earnings after Tax/Accumulated Loss	58,212.8	58,390.1
Minority Interest	1,206.4	970.7
Total Liabilities and Equity	2,767,699.3	2,385,387.7

Item	2025	2024
Receipts from Interest and Similar Income	139,430.6	125,647.1
Payments for Interest and Similar Expenses	-71,064.5	-69,067.5
Receipts from Fee and Commission Income	6,753.1	7,287.6
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	3,801.6	4,343.8
Receipts from Other Income	-440.5	-912.5
Receipts from Collection of Written-off Debts	9,991.1	7,608.1
Payments for Staff Costs and Operating Expenses	-23,284.9	-20,146.5
Corporate Income Tax Paid	-7,547.5	-6,006.3
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	57,639.0	48,753.8
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-21,930.3	7,293.6
(Increase)/Decrease in Trading Securities and Investment Securities	2,849.6	-34,188.9
(Increase)/Decrease in Derivatives and Other Financial Assets	-276.1	-25.4
(Increase)/Decrease in Loans and Advances to Customers	-270,318.2	-248,587.0
(Decrease)/Increase in Provisions for Damages	-19,121.1	-18,707.2
(Increase)/Decrease in Other Operating Assets	-6,777.8	14,092.6
Increase/(Decrease) in Due to Government and Borrowings from State Bank	-9,691.7	132,470.0
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	141,582.9	-28,180.5
Increase/(Decrease) in Deposits from Customers	187,415.4	195,417.6
Increase/(Decrease) in Valuable Papers Issued	22,352.3	36,302.4
Increase/(Decrease) in Funds Received from Government and Institutions	-66.1	-57.8
Increase/(Decrease) in Derivatives and Other Financial Liabilities	-343.2	-139.8
Increase/(Decrease) in Other Operating Liabilities	-670.7	-2,254.8
Net Cash Flows from Operating Activities	82,644.0	102,188.7
Purchase of Fixed Assets	-2,005.0	-1,362.1
Receipts from Disposal of Fixed Assets	22.3	15.2
Payments for Disposal of Fixed Assets	-3.9	-2.6
Dividends and Profit Received	71.4	20.5
Net Cash Flows from Investing Activities	-1,915.2	-1,329.0
Dividends Paid and Profits Distributed to Owners	-2,416.5	—
Net Cash Flows from Financing Activities	-2,416.5	1.5
Net Cash Flows during the Period	78,312.3	100,861.2
Cash and Cash Equivalents at Beginning of the Period	373,319.6	272,303.6
Exchange Difference due to Re-valuation of Ending Balances	113.6	154.7
Cash and Cash Equivalents at End of the Period	451,745.5	373,319.6

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	41,672.5	38,592.0	36,989.7	34,876.4	32,684.2	32,435.0	30,924.4	30,138.3	30,952.0
Interest Expense and Similar Expenses	22,287.4	20,632.3	19,814.0	19,033.8	17,209.0	16,122.8	15,346.8	14,799.4	15,777.7
Net Interest Income	19,385.2	17,959.7	17,175.7	15,842.6	15,475.2	16,312.2	15,577.5	15,338.9	15,174.2
Fee and Commission Income	3,462.3	3,219.1	3,115.6	3,141.5	2,874.9	2,841.4	3,125.2	3,178.4	3,091.7
Fee and Commission Expenses	1,615.3	1,522.2	1,528.3	1,707.2	1,264.4	1,601.7	1,323.7	1,292.1	1,313.0
Net Fee and Commission Income	1,847.0	1,696.9	1,587.3	1,434.2	1,610.5	1,239.7	1,801.4	1,886.2	1,778.8
Net Gain/(Loss) from Foreign Currencies and Gold Trading	1,084.7	555.3	546.2	1,106.1	912.9	1,051.0	608.8	1,186.1	1,344.2
Net Gain/(Loss) from Trading Securities	23.2	36.3	216.0	213.2	238.2	13.4	16.4	24.6	38.3
Net Gain/(Loss) from Investment Securities	392.4	16.8	14.3	30.6	91.0	8.7	-201.7	-33.5	-106.2
Other Income	2,679.4	3,696.4	3,289.6	2,545.6	2,241.2	3,043.3	4,377.3	2,126.8	1,279.7
Other Expenses	414.9	608.2	458.2	372.2	238.9	412.5	414.4	1,039.6	501.6
Net Other Income	2,264.5	3,088.2	2,831.5	2,173.4	2,002.3	2,630.9	3,963.0	1,087.2	778.1
Income from Capital Contribution and Long-term Investments	104.5	71.3	128.8	116.9	123.3	29.4	150.8	150.9	59.5
Operating Expenses	6,261.3	9,162.5	6,021.9	5,847.2	5,519.2	6,575.6	6,095.0	5,073.8	4,807.4
Operating Profit before Provision for Credit Losses	18,840.3	14,262.1	16,477.8	15,069.9	14,934.2	14,709.7	15,821.3	14,566.7	14,259.4
Provision for Credit Losses	7,700.9	350.9	5,863.4	2,972.8	8,111.0	2,464.3	9,268.7	7,816.7	8,049.2
Profit Before Tax	11,139.4	13,911.2	10,614.4	12,097.2	6,823.2	12,245.4	6,552.7	6,749.9	6,210.3
Current Corporate Income Tax Expense	2,179.3	2,818.0	2,101.9	2,345.1	1,319.5	2,375.0	1,360.2	1,340.6	1,207.8
Deferred Income Tax Expense	—	-0.4	—	—	4.3	-0.2	—	—	—
Corporate Income Tax	2,179.3	2,817.6	2,101.9	2,345.1	1,323.8	2,374.8	1,360.2	1,340.6	1,207.8
Net Profit After Tax	8,960.0	11,093.6	8,512.5	9,752.0	5,499.4	9,870.6	5,192.5	5,409.4	5,002.5
Minority Interest	43.1	40.5	63.7	82.1	80.5	79.1	-33.3	44.1	43.7
Net Profit Attributable to the Equity Holders of the Bank	8,917.0	11,053.1	8,448.8	9,669.9	5,418.9	9,791.5	5,225.9	5,365.3	4,958.8

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	12,295.8	12,583.5	11,927.7	11,463.2	11,517.7	11,147.5	10,239.1	9,457.9	9,408.4
Balances with the State Bank of Vietnam	21,355.2	35,225.5	26,381.8	13,692.1	13,043.1	34,431.7	26,611.8	28,980.5	17,340.6
Placements at and Loans to Other Credit Institutions	600,736.4	476,487.5	487,526.9	428,879.3	406,579.3	378,482.9	378,231.2	351,233.8	332,707.1
Placements at Other Credit Institutions	584,728.4	463,381.2	484,061.6	425,172.8	401,757.8	370,530.0	367,172.7	334,405.1	314,264.5
Loans to Other Credit Institutions	16,008.0	13,106.4	3,465.3	3,706.5	4,821.4	7,952.8	11,058.6	16,828.8	18,442.6
Trading Securities	3,579.5	2,942.4	2,624.6	2,209.2	3,066.9	2,798.0	3,234.4	2,259.1	1,935.1
Trading Securities (Gross)	3,674.3	3,044.2	2,727.7	2,326.5	3,211.5	2,990.7	3,417.9	2,439.8	2,119.5
Provision for Diminution in Value of Trading Securities	-94.7	-101.7	-103.0	-117.3	-144.5	-192.7	-183.6	-180.7	-184.4
Derivatives and Other Financial Assets	—	228.4	223.3	—	—	—	350.7	—	265.4
Loans, Advances and Finance Leases to Customers	1,994,058.1	1,957,462.5	1,952,226.9	1,865,914.1	1,762,190.2	1,685,290.6	1,569,844.4	1,543,489.2	1,483,622.4
Loans, Advances and Finance Leases to Customers (Gross)	2,028,494.6	1,992,272.9	1,990,563.2	1,899,351.5	1,800,459.2	1,721,954.7	1,605,381.4	1,571,529.4	1,514,397.6
Provision for Losses on Loans, Advances and Finance Leases to Customers	-34,436.4	-34,810.4	-38,336.3	-33,437.4	-38,269.0	-36,664.1	-35,537.0	-28,040.2	-30,775.2
Investment Securities	209,370.7	211,880.4	218,460.7	227,709.0	215,370.2	214,608.1	181,055.8	159,855.1	164,156.4
Available-for-sale Securities	189,753.6	203,605.1	204,922.2	208,353.3	191,116.2	188,557.5	159,435.7	149,385.2	158,650.5
Held-to-maturity Securities	19,763.9	8,806.9	14,068.9	19,875.0	24,769.4	26,635.9	22,215.8	10,864.2	5,865.3
Provision for Diminution in Value of Investment Securities	-146.8	-531.6	-530.4	-519.3	-515.5	-585.3	-595.7	-394.3	-359.4
Capital Contribution and Other Long-term Investments	4,515.2	4,428.3	4,385.5	4,231.2	4,071.1	3,933.8	3,761.6	3,743.8	3,530.2
Investments in Associates and Joint Ventures	4,280.7	4,193.8	4,158.4	4,004.0	3,844.0	3,706.7	3,541.5	3,523.8	3,310.2
Other Long-term Investments	234.5	234.5	234.5	234.5	234.5	234.5	234.5	234.5	234.5
Provision for Diminution in Value of Long-term Investments	—	—	-7.3	-7.3	-7.3	-7.3	-14.4	-14.4	-14.4
Fixed Assets	10,766.1	10,826.7	9,979.2	9,957.2	9,800.7	10,002.2	9,622.8	9,763.5	9,921.2
Tangible Fixed Assets	6,535.4	6,729.0	6,091.2	6,117.4	5,998.7	6,149.2	5,780.9	5,870.1	5,961.8
Tangible Fixed Assets Cost	18,564.3	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-12,028.9	—	—	—	—	—	—	—	—
Intangible Fixed Assets	4,230.8	4,097.7	3,888.0	3,839.8	3,802.0	3,852.9	3,841.9	3,893.5	3,959.4
Intangible Fixed Assets Cost	7,554.0	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-3,323.2	—	—	—	—	—	—	—	—
Other Assets	67,499.8	55,633.9	47,814.3	45,732.8	44,224.2	44,688.8	46,839.4	52,646.5	54,728.2
Accounts Receivables	44,952.7	33,305.8	28,147.4	26,492.0	25,493.7	27,775.0	30,800.2	36,348.0	36,836.7
Interest and Fee Receivables	18,925.7	17,174.0	16,308.0	15,769.8	15,277.6	13,304.7	12,708.7	12,960.2	14,509.5
Deferred Income Tax Assets	0.4	0.4	0.0	0.0	0.0	0.0	—	—	—
Other Assets (Miscellaneous)	3,728.4	5,262.4	3,469.6	3,582.8	3,565.7	3,715.6	3,437.4	3,445.3	3,489.2
Provision for Risks in Other Assets	-107.4	-108.7	-110.8	-111.9	-112.8	-106.4	-106.9	-107.0	-107.2
Total Assets	2,924,176.9	2,767,699.3	2,761,550.9	2,609,788.0	2,469,863.4	2,385,383.5	2,229,791.1	2,161,429.5	2,077,615.1
Due to Government and Borrowings from the State Bank of Vietnam	244,904.3	144,592.4	167,351.1	138,527.5	138,574.7	154,284.1	95,457.5	111,854.9	46,137.1
Placements and Borrowings from Other Credit Institutions	462,375.7	417,724.1	412,057.3	306,985.7	309,038.7	276,134.7	298,636.9	297,408.5	325,515.9
Placements from Other Credit Institutions	443,246.4	399,558.6	387,722.0	291,377.0	290,399.4	253,519.6	274,381.9	249,373.9	284,967.3
Borrowings from Other Credit Institutions	19,129.3	18,165.6	24,335.3	15,608.7	18,639.3	22,615.0	24,255.1	48,034.6	40,548.6
Deposits from Customers	1,824,177.5	1,793,732.1	1,775,527.4	1,719,957.8	1,621,227.5	1,606,144.7	1,516,890.4	1,466,830.4	1,427,664.9
Derivatives and Other Financial Liabilities	349.2	—	—	641.6	532.5	398.1	—	1,378.0	—
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	2,062.4	2,113.9	2,117.9	2,163.5	2,115.4	2,179.9	2,104.8	2,232.6	2,201.4
Valuable Papers Issued	149,264.5	174,030.4	182,199.7	227,953.9	203,356.2	151,678.1	131,825.5	100,256.9	101,544.0
Other Liabilities	52,351.2	55,865.3	52,416.5	49,731.9	41,036.3	44,619.8	43,890.0	45,495.3	43,969.3
Interest and Fee Payables	27,187.4	26,660.5	26,926.1	25,544.9	21,894.2	21,026.0	21,278.2	22,413.8	23,926.7
Other Liabilities (Miscellaneous)	22,636.9	26,359.8	22,653.7	21,465.3	16,430.7	20,830.4	20,097.1	21,501.0	18,565.9
Total Liabilities	2,735,484.8	2,588,058.1	2,591,669.9	2,445,961.8	2,315,881.2	2,235,439.4	2,088,805.2	2,025,456.6	1,947,032.6
Capital and Reserves	188,692.2	179,641.2	169,881.0	163,826.2	153,982.2	149,944.1	140,986.0	135,972.9	130,582.5
Capital	88,218.7	88,218.7	64,249.1	64,067.7	63,584.0	63,584.0	63,510.6	63,510.6	63,510.6
Charter Capital	77,669.4	77,669.4	53,699.9	53,699.9	53,699.9	53,699.9	53,699.9	53,699.9	53,699.9
Share Premium	8,974.7	8,974.7	8,974.7	8,974.7	8,974.7	8,974.7	8,974.7	8,974.7	8,974.7
Other Capital	1,574.6	1,574.6	1,574.6	1,393.2	909.4	909.4	836.0	836.0	836.0
Reserves	31,660.8	31,651.7	25,361.6	25,343.7	25,314.1	22,741.5	19,077.2	19,071.0	19,048.5
Foreign Exchange Differences	431.0	362.7	410.7	409.4	229.7	243.1	35.6	182.5	125.3
Undistributed Earnings after Tax/Accumulated Loss	67,132.1	58,201.6	78,693.6	72,903.2	63,803.2	62,405.6	57,471.8	52,284.6	46,998.5
Minority Interest	1,249.5	1,206.4	1,166.0	1,102.3	1,051.2	969.9	890.8	924.2	899.6
Total Liabilities and Equity	2,924,176.9	2,767,699.3	2,761,550.9	2,609,788.0	2,469,863.4	2,385,383.5	2,229,791.1	2,161,429.5	2,077,615.1

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Receipts from Interest and Similar Income	39,778.9	37,951.9	36,473.0	34,368.7	30,637.0	31,810.8	30,966.2	31,723.7	31,146.4
Payments for Interest and Similar Expenses	-21,777.1	-20,850.4	-18,398.9	-15,447.6	-16,367.6	-16,323.0	-16,507.9	-16,299.1	-19,937.5
Receipts from Fee and Commission Income	1,849.8	2,065.1	1,600.1	1,467.6	1,620.3	1,651.4	2,029.2	1,854.1	1,752.9
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	1,180.3	972.0	370.2	1,264.1	1,195.3	827.4	128.2	2,007.2	1,380.9
Receipts from Other Income	-28.5	-45.1	-120.1	-100.6	-174.7	-41.7	-182.1	-591.3	-97.4
Receipts from Collection of Written-off Debts	2,112.0	3,216.9	2,813.7	2,139.4	1,821.1	1,577.5	3,907.4	1,468.9	654.4
Payments for Staff Costs and Operating Expenses	-9,601.9	-6,410.6	-4,753.8	-4,887.5	-7,233.0	-5,505.0	-4,250.5	-3,774.5	-6,616.5
Corporate Income Tax Paid	-4,361.4	-26.5	-3,095.0	-1,086.6	-3,339.3	-316.3	-1,369.9	-1,177.9	-3,142.2
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	9,152.1	16,873.2	14,889.2	17,717.5	8,159.1	13,681.1	14,720.5	15,211.2	5,141.0
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	16,815.0	-2,759.1	-5,254.7	2,586.1	-16,502.6	-7,547.1	-9,550.7	17,240.2	7,151.2
(Increase)/Decrease in Trading Securities and Investment Securities	2,608.2	4,945.0	8,481.0	-10,083.9	-492.5	-33,386.4	-22,435.6	4,334.5	17,298.5
(Increase)/Decrease in Derivatives and Other Financial Assets	301.5	7.4	-308.8	-0.0	25.4	325.3	-85.2	—	-265.4
(Increase)/Decrease in Loans and Advances to Customers	-36,221.7	-1,709.7	-91,211.7	-98,892.3	-78,504.5	-116,550.2	-33,852.0	-57,131.8	-41,053.0
(Decrease)/Increase in Provisions for Damages	-8,072.8	-3,866.1	-958.8	-7,796.4	-6,499.9	-1,336.7	-1,771.9	-10,551.8	-5,046.8
(Increase)/Decrease in Other Operating Assets	-9,939.6	-7,280.1	-1,351.8	-808.0	2,662.1	2,916.0	5,684.6	654.0	4,838.0
Increase/(Decrease) in Due to Government and Borrowings from State Bank	100,311.9	-22,758.8	28,823.6	-47.2	-15,709.4	58,826.6	-16,397.4	65,717.9	24,323.0
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	44,651.6	5,666.9	105,071.6	-2,053.0	32,897.4	-22,495.7	1,228.4	-28,107.4	21,194.2
Increase/(Decrease) in Deposits from Customers	30,445.4	18,204.6	55,569.7	98,730.3	14,910.8	89,426.2	50,060.1	39,165.5	16,765.8
Increase/(Decrease) in Valuable Papers Issued	-24,765.8	-8,169.4	-45,754.2	24,597.7	51,678.1	19,852.6	31,568.7	-1,287.1	-13,831.7
Increase/(Decrease) in Funds Received from Government and Institutions	-51.5	-4.0	-45.6	48.1	-64.5	75.2	-127.8	31.2	-36.4
Increase/(Decrease) in Derivatives and Other Financial Liabilities	276.2	-12.5	-556.0	109.1	116.3	416.2	-1,378.0	1,378.0	-555.9
Increase/(Decrease) in Other Operating Liabilities	1,969.2	-1,516.4	-626.2	2,908.4	-1,436.5	-2,532.9	-1,264.1	1,094.7	447.5
Net Cash Flows from Operating Activities	127,479.7	-2,378.8	66,767.2	27,016.6	-8,760.9	1,670.2	16,134.0	48,014.6	36,369.9
Purchase of Fixed Assets	-342.6	-787.8	-589.2	-402.6	-225.3	-729.7	-194.2	-236.0	-202.1
Receipts from Disposal of Fixed Assets	0.9	8.7	4.6	7.3	1.7	6.7	3.5	3.9	1.1
Payments for Disposal of Fixed Assets	-0.2	-2.7	-0.4	-0.6	-0.1	-0.8	-0.3	-1.2	-0.3
Dividends and Profit Received	26.4	21.3	12.3	37.5	0.2	1.1	12.4	6.8	0.2
Net Cash Flows from Investing Activities	-315.5	-760.5	-572.8	-358.4	-223.5	-722.7	-178.7	-226.6	-201.1
Dividends Paid and Profits Distributed to Owners	—	-2,416.5	—	—	—	—	—	—	—
Net Cash Flows from Financing Activities	—	-2,416.5	—	—	—	0.0	0.0	1.5	—
Net Cash Flows during the Period	127,164.1	-5,555.8	66,194.4	26,658.2	-8,984.4	947.6	15,955.3	47,789.5	36,168.8
Cash and Cash Equivalents at Beginning of the Period	451,745.5	457,362.0	391,174.3	364,315.4	373,319.6	372,158.4	356,354.7	308,509.8	272,303.6
Exchange Difference due to Re-valuation of Ending Balances	85.4	113.6	174.3	181.1	-19.7	154.7	-58.9	92.8	37.4
Cash and Cash Equivalents at End of the Period	578,995.0	451,745.5	457,362.0	391,174.3	364,315.4	373,319.6	372,158.4	356,354.7	308,509.8

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