TCB

Ngân hàng TMCP Kỹ thương Việt Nam ·HOSE ·2026Q1

▼ FUNDING UNDER PRESSURE

Operations are weakening LDR 96.1%, +5.3 pp QoQ

Price

31,550

Latest close

03 Jun 2026

P/B 1.2x

ROAE (TTM) 15.3%

NIM (TTM) 3.9%

ROAA (TTM) 2.4%

LDR 96.1%

Bank Picture

TCB bank opening narrative plan rendered.

	                            
	                                LDR
	                            
	                                    96.1%
	                                
+5.3 pp QoQ

	                            
	                                Market funding share
	                            
	                                    38.0%
	                                
+1.2 pp QoQ

	                            
	                                Funding cost
	                            
	                                    3.28%
	                                
+0.4 pp YoY

Metric	2025	2024
Net Interest Income	38.155,1	35.508,0
NIM	3,77%	3,86%
Net Fee Income	8.772,0	8.042,2
Provision Expense	4.420,6	4.082,3
Net Profit After Tax	25.954,5	21.760,1

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	9.522,1	10.788,0	9.924,6	9.137,1	8.305,4	8.601,8	8.928,7	9.477,9	8.499,5
NII Growth YoY	+15%	+25%	+11%	−4%	−2%	—	—	—	—
NIM	3,87%	3,77%	3,74%	3,88%	4,10%	4,14%	—	—	—
Net Fee Income	3.148,5	2.570,9	2.265,9	2.107,0	1.828,1	1.462,8	1.946,8	2.461,5	2.171,2
Provision Expense	935,3	817,6	1.499,3	1.013,8	1.090,1	117,8	1.109,3	1.644,2	1.211,0
Net Profit After Tax	6.950,3	6.979,8	6.613,5	6.347,6	6.013,5	3.420,1	5.793,0	6.270,0	6.277,0
Net Income Growth YoY	+16%	+104%	+14%	+1%	−4%	—	—	—	—

Drivers of TCB's profit

TTM

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

Net interest income +VND 4,057.9bn

Net fee income +VND 2,393.1bn

FX & gold trading +VND 1,268.3bn

Investment securities +VND 898.1bn

Other income +VND 889.2bn

Corporate income tax +VND 1,804.2bn

TTM

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

Net fee income +VND 1,320.3bn

Net interest income +VND 1,216.7bn

Provision for credit losses −VND 154.8bn

FX & gold trading +VND 129.0bn

Corporate income tax +VND 697.0bn

Operating expenses +VND 584.1bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Direct credit reading is still incomplete, but funding balance has tightened with LDR rising to 96.1%.

Reserve buffer on gross loans is around 1.41%. LDR stands at 96.1%.

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

Key signals

Credit cost 0.42% −0.0pp

Reserve / Gross loans 1.41% +0.0pp

LDR 96.1% +5.3pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread deserves closer monitoring because funding cost is already at 3.28%, even if pressure is not yet as severe as in clearer compression cases.

In the period, NIM reached 3.87%, −0.2pp YoY; asset yield was 7.15%, +0.1pp; while funding cost was 3.28%, +0.4pp. This suggests spread has become less favorable than before, though not yet in a clearly deteriorating two-sided way.

Key signals

NIM 3.87% −0.2pp

Asset yield 7.15% +0.1pp

Funding cost 3.28% +0.4pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings mix looks more balanced thanks to fee income, now at 18.2% of total operating income.

Nii accounts for 71.0% of toi, fee income is 18.2% of toi, other income is 2.9% of toi, cir stands at 30.7%, net profit equals 48.5% of toi.

Key signals

NII / TOI 71.0% −0.5pp

Fee / TOI 18.2% +1.8pp

Other income / TOI 2.9% −0.6pp

CIR 30.7% −0.1pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

Funding structure is leaning more toward market sources, with market funding up to 38.0% while customer funding share has softened.

Ldr stands at 96.1%, equity equals 15.7% of assets, customer funding accounts for 62.0% of interest-bearing funding, market funding accounts for 38.0%.

Watchpoints

Funding mix turning less comfortable

Market funding share is rising quarter over quarter, suggesting a less comfortable funding mix even if stress is not yet severe.

Market funding dependence is high

Market funding now accounts for 38.0% of interest-bearing funding.

Key signals

LDR 96.1% +5.3pp

Equity / Assets 15.7% +0.6pp

Customer funding 62.0% −1.2pp

Market funding 38.0% +1.2pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability quality looks constructive, with ROAA at 2.47% and ROAE at 15.79%, primarily supported by spread.

Net income on average earning assets is 2.64%, nim stands at 3.87%, credit cost is 0.42%, cir stands at 30.7%, average leverage is around 6.40 times.

Key signals

ROAA 2.47% +0.1pp

ROAE 15.79% −0.1pp

NI / Avg EA 2.64% +0.1pp

Quarterly provision VND 935bn +14.4% QoQ

2026Q1

Investment Takeaway

TCB 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	68,017.4	60,089.5
Interest Expense and Similar Expenses	29,862.4	24,581.5
Net Interest Income	38,155.1	35,508.0
Fee and Commission Income	12,527.0	10,961.6
Fee and Commission Expenses	3,755.0	2,919.4
Net Fee and Commission Income	8,772.0	8,042.2
Net Gain/(Loss) from Foreign Currencies and Gold Trading	1,642.2	592.6
Net Gain/(Loss) from Trading Securities	52.0	81.3
Net Gain/(Loss) from Investment Securities	2,846.3	2,359.1
Other Income	6,426.3	9,324.9
Other Expenses	4,542.0	8,982.2
Net Other Income	1,884.3	342.7
Income from Capital Contribution and Long-term Investments	39.2	64.6
Operating Expenses	16,432.4	15,369.7
Operating Profit before Provision for Credit Losses	36,958.7	31,620.7
Provision for Credit Losses	4,420.6	4,082.3
Profit Before Tax	32,538.1	27,538.4
Current Corporate Income Tax Expense	6,544.2	5,787.7
Deferred Income Tax Expense	39.4	-9.4
Corporate Income Tax	6,583.6	5,778.3
Net Profit After Tax	25,954.5	21,760.1
Minority Interest	664.2	237.2
Net Profit Attributable to the Equity Holders of the Bank	25,290.2	21,522.9
Earnings per Share	3,572.00	3,049.00

Item	2025	2024
Cash, Gold and Precious Stones	4,360.8	3,384.8
Balances with the State Bank of Vietnam	82,162.8	54,353.2
Placements at and Loans to Other Credit Institutions	114,958.3	84,590.5
Placements at Other Credit Institutions	108,143.4	74,887.1
Loans to Other Credit Institutions	6,996.1	9,884.5
Provision for Losses and Risks	-181.2	-181.2
Trading Securities	4,815.8	9,000.6
Trading Securities (Gross)	4,816.8	9,000.9
Provision for Diminution in Value of Trading Securities	-1.1	-0.3
Loans, Advances and Finance Leases to Customers	757,118.8	623,634.3
Loans, Advances and Finance Leases to Customers (Gross)	767,617.1	631,725.0
Provision for Losses on Loans, Advances and Finance Leases to Customers	-10,498.4	-8,090.7
Debt Purchased	30.6	141.6
Debt Purchased (Gross)	32.6	144.4
Provision for Debt Purchased	-1.9	-2.8
Investment Securities	145,526.4	148,623.6
Available-for-sale Securities	145,942.3	142,202.8
Held-to-maturity Securities	—	6,900.0
Provision for Diminution in Value of Investment Securities	-415.9	-479.2
Capital Contribution and Other Long-term Investments	3,246.6	3,102.5
Investments in Associates and Joint Ventures	32.3	—
Other Long-term Investments	3,215.5	3,103.7
Provision for Diminution in Value of Long-term Investments	-1.1	-1.1
Fixed Assets	12,122.9	12,466.9
Tangible Fixed Assets	6,343.7	6,576.7
Tangible Fixed Assets Cost	9,539.3	9,080.6
Accumulated Depreciation of Tangible Fixed Assets	-3,195.5	-2,503.9
Intangible Fixed Assets	5,779.2	5,890.2
Intangible Fixed Assets Cost	9,536.0	8,485.0
Accumulated Depreciation of Intangible Fixed Assets	-3,756.8	-2,594.8
Other Assets	68,001.1	39,500.6
Accounts Receivables	56,111.4	29,540.9
Interest and Fee Receivables	9,787.1	8,126.0
Deferred Income Tax Assets	40.5	79.9
Other Assets (Miscellaneous)	2,070.4	1,818.7
Provision for Risks in Other Assets	-8.3	-64.9
Total Assets	1,192,344.1	978,798.5
Due to Government and Borrowings from the State Bank of Vietnam	4,323.9	11.5
Placements and Borrowings from Other Credit Institutions	144,983.0	132,239.1
Placements from Other Credit Institutions	83,014.3	72,210.8
Borrowings from Other Credit Institutions	61,968.7	60,028.3
Deposits from Customers	618,911.5	533,392.3
Derivatives and Other Financial Liabilities	2,416.9	931.2
Valuable Papers Issued	215,330.1	140,422.3
Other Liabilities	26,877.2	23,862.4
Interest and Fee Payables	9,448.7	7,281.6
Other Liabilities (Miscellaneous)	17,428.5	16,580.8
Total Liabilities	1,012,842.7	830,858.9
Capital and Reserves	179,501.4	147,939.6
Capital	78,626.4	78,412.5
Charter Capital	70,862.4	70,648.5
Share Premium	-0.1	-0.1
Other Capital	7,764.1	7,764.1
Reserves	28,644.6	24,787.3
Undistributed Earnings after Tax/Accumulated Loss	62,773.6	42,219.3
Minority Interest	9,456.9	2,520.5
Total Liabilities and Equity	1,192,344.1	978,798.5

Item	2025	2024
Receipts from Interest and Similar Income	67,231.1	61,748.9
Payments for Interest and Similar Expenses	-27,761.6	-26,124.5
Receipts from Fee and Commission Income	8,396.9	7,679.9
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	4,478.0	3,150.0
Receipts from Other Income	96.2	-2,359.7
Receipts from Collection of Written-off Debts	1,354.3	1,138.2
Payments for Staff Costs and Operating Expenses	-13,326.7	-10,106.2
Corporate Income Tax Paid	-7,177.7	-4,089.3
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	33,290.6	31,037.4
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	1,553.2	12,721.9
(Increase)/Decrease in Trading Securities and Investment Securities	-9,019.2	-31,627.2
(Increase)/Decrease in Derivatives and Other Financial Assets	—	143.6
(Increase)/Decrease in Loans and Advances to Customers	-135,892.2	-113,083.4
(Decrease)/Increase in Provisions for Damages	-2,072.8	-2,670.8
(Increase)/Decrease in Other Operating Assets	-29,615.2	34,701.8
Increase/(Decrease) in Due to Government and Borrowings from State Bank	4,306.7	—
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	12,743.9	-20,933.9
Increase/(Decrease) in Deposits from Customers	85,524.8	78,743.0
Increase/(Decrease) in Valuable Papers Issued	74,907.8	—
Increase/(Decrease) in Funds Received from Government and Institutions	—	55,719.0
Increase/(Decrease) in Derivatives and Other Financial Liabilities	1,485.7	931.2
Increase/(Decrease) in Other Operating Liabilities	2,712.2	-3,303.6
Payments from Reserves	-1.9	-2.6
Net Cash Flows from Operating Activities	39,923.6	42,376.6
Purchase of Fixed Assets	-657.0	-1,618.9
Receipts from Disposal of Fixed Assets	3.5	1,741.5
Payments for Disposal of Fixed Assets	-3.0	-1,249.7
Payments for Investment in Other Entities	-199.8	-56.3
Dividends and Profit Received	39.9	64.6
Net Cash Flows from Investing Activities	-816.4	-382.6
Receipts from Equity Issue and Owner Capital Contribution	213.8	198.2
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	12,106.8	2.3
Dividends Paid and Profits Distributed to Owners	-7,084.9	-5,210.3
Net Cash Flows from Financing Activities	5,235.8	-5,009.8
Net Cash Flows during the Period	44,342.9	36,984.2
Cash and Cash Equivalents at Beginning of the Period	147,484.4	110,500.2
Cash and Cash Equivalents at End of the Period	191,827.3	147,484.4

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	19,697.0	19,164.2	17,599.6	16,303.6	14,950.0	15,065.0	15,168.3	15,349.0	14,507.2
Interest Expense and Similar Expenses	10,175.0	8,376.3	7,674.9	7,166.5	6,644.6	6,463.1	6,239.6	5,871.1	6,007.7
Net Interest Income	9,522.1	10,788.0	9,924.6	9,137.1	8,305.4	8,601.8	8,928.7	9,477.9	8,499.5
Fee and Commission Income	4,293.0	3,619.8	3,276.2	3,052.4	2,578.5	2,262.1	2,675.1	3,189.9	2,834.6
Fee and Commission Expenses	1,144.5	1,048.8	1,010.3	945.4	750.4	799.3	728.3	728.4	663.4
Net Fee and Commission Income	3,148.5	2,570.9	2,265.9	2,107.0	1,828.1	1,462.8	1,946.8	2,461.5	2,171.2
Net Gain/(Loss) from Foreign Currencies and Gold Trading	583.8	212.8	559.4	415.2	454.8	-424.3	61.0	411.4	544.4
Net Gain/(Loss) from Trading Securities	42.8	-8.6	-149.8	32.0	178.4	2.0	-0.5	103.2	-23.4
Net Gain/(Loss) from Investment Securities	238.7	736.6	1,059.4	599.9	450.4	249.9	389.2	646.9	1,073.0
Other Income	989.7	1,250.4	1,704.0	1,730.0	1,741.9	3,884.1	1,986.3	1,967.7	1,486.8
Other Expenses	851.2	756.7	1,127.8	1,309.6	1,348.0	4,221.8	1,563.6	1,707.0	1,489.8
Net Other Income	138.5	493.7	576.2	420.4	393.9	-337.7	422.7	260.7	-3.0
Income from Capital Contribution and Long-term Investments	-0.1	1.3	6.3	31.5	0.0	0.1	6.4	58.1	0.0
Operating Expenses	3,869.0	4,824.0	4,492.9	3,830.7	3,284.9	4,740.7	3,430.9	3,949.0	3,249.1
Operating Profit before Provision for Credit Losses	9,805.3	9,970.8	9,749.3	8,912.3	8,326.3	4,813.9	8,323.4	9,470.7	9,012.6
Provision for Credit Losses	935.3	817.6	1,499.3	1,013.8	1,090.1	117.8	1,109.3	1,644.2	1,211.0
Profit Before Tax	8,870.0	9,153.2	8,250.0	7,898.6	7,236.2	4,696.0	7,214.2	7,826.5	7,801.7
Current Corporate Income Tax Expense	1,920.4	2,136.1	1,636.6	1,549.8	1,221.7	1,282.4	1,422.4	1,558.8	1,524.1
Deferred Income Tax Expense	-0.7	37.3	-0.1	1.2	1.0	-6.5	-1.3	-2.3	0.6
Corporate Income Tax	1,919.7	2,173.4	1,636.5	1,551.0	1,222.7	1,275.9	1,421.1	1,556.5	1,524.7
Net Profit After Tax	6,950.3	6,979.8	6,613.5	6,347.6	6,013.5	3,420.1	5,793.0	6,270.0	6,277.0
Minority Interest	279.2	304.3	194.2	100.2	65.6	49.0	55.5	76.6	56.0
Net Profit Attributable to the Equity Holders of the Bank	6,671.1	6,675.6	6,419.3	6,247.4	5,948.0	3,371.1	5,737.5	6,193.4	6,221.0

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	5,467.7	4,360.8	4,045.7	3,666.4	3,789.9	3,384.8	3,608.5	3,638.3	3,665.1
Balances with the State Bank of Vietnam	93,007.4	82,162.8	77,586.5	48,485.7	62,699.0	54,353.2	40,614.7	28,055.1	13,587.7
Placements at and Loans to Other Credit Institutions	87,777.3	114,958.3	92,999.1	80,845.7	81,883.4	84,590.5	90,014.3	88,903.7	89,074.5
Placements at Other Credit Institutions	82,639.5	108,143.4	78,704.3	71,979.3	72,397.4	74,887.1	80,586.7	77,099.4	72,791.5
Loans to Other Credit Institutions	5,319.0	6,996.1	14,475.9	9,047.5	9,667.2	9,884.5	9,607.9	11,909.8	16,384.1
Provision for Losses and Risks	-181.2	-181.2	-181.2	-181.2	-181.2	-181.2	-180.3	-105.5	-101.1
Trading Securities	462.2	4,815.8	3,107.1	4,138.4	2,280.4	9,000.6	4,524.3	4,142.7	8,967.6
Trading Securities (Gross)	463.0	4,816.8	3,107.4	4,139.2	2,280.8	9,000.9	4,524.3	4,142.7	8,967.6
Provision for Diminution in Value of Trading Securities	-0.7	-1.1	-0.3	-0.8	-0.4	-0.3	—	—	—
Derivatives and Other Financial Assets	—	—	—	—	—	—	269.2	170.4	729.2
Loans, Advances and Finance Leases to Customers	785,612.5	757,118.8	756,078.0	700,801.9	655,007.2	623,634.3	617,924.6	584,713.5	552,577.1
Loans, Advances and Finance Leases to Customers (Gross)	796,864.0	767,617.1	766,709.9	710,313.0	663,692.9	631,725.0	626,290.8	592,083.3	559,276.9
Provision for Losses on Loans, Advances and Finance Leases to Customers	-11,251.4	-10,498.4	-10,631.9	-9,511.1	-8,685.7	-8,090.7	-8,366.2	-7,369.8	-6,699.8
Debt Purchased	28.2	30.6	41.0	43.5	53.9	141.6	314.8	320.2	82.0
Debt Purchased (Gross)	30.1	32.6	43.0	45.5	56.0	144.4	318.8	324.3	84.3
Provision for Debt Purchased	-1.9	-1.9	-2.0	-2.0	-2.1	-2.8	-4.1	-4.1	-2.3
Investment Securities	141,064.0	145,526.4	139,296.5	146,985.6	124,378.7	148,623.6	102,135.2	113,677.2	131,188.8
Available-for-sale Securities	141,480.5	145,942.3	139,654.4	142,072.8	117,928.3	142,202.8	97,062.8	114,076.3	131,568.3
Held-to-maturity Securities	—	—	—	5,400.0	6,900.0	6,900.0	5,400.0	—	—
Provision for Diminution in Value of Investment Securities	-416.6	-415.9	-358.0	-487.2	-449.6	-479.2	-327.6	-399.1	-379.4
Capital Contribution and Other Long-term Investments	3,244.3	3,246.6	3,090.6	3,057.8	3,102.5	3,102.5	3,047.5	3,047.5	3,046.2
Investments in Associates and Joint Ventures	30.0	32.3	32.8	—	—	—	—	—	—
Other Long-term Investments	3,215.5	3,215.5	3,059.0	3,059.0	3,103.7	3,103.7	3,048.7	3,048.7	3,047.4
Provision for Diminution in Value of Long-term Investments	-1.1	-1.1	-1.1	-1.1	-1.1	-1.1	-1.1	-1.1	-1.1
Fixed Assets	11,585.8	12,122.9	12,043.5	12,192.9	12,119.7	12,466.9	12,752.3	9,626.9	9,258.6
Tangible Fixed Assets	6,118.6	6,343.7	6,099.9	6,274.1	6,429.9	6,576.7	6,974.5	3,669.4	3,593.9
Tangible Fixed Assets Cost	9,480.1	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-3,361.5	—	—	—	—	—	—	—	—
Intangible Fixed Assets	5,467.2	5,779.2	5,943.7	5,918.8	5,689.7	5,890.2	5,777.8	5,957.5	5,664.8
Intangible Fixed Assets Cost	9,535.7	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-4,068.5	—	—	—	—	—	—	—	—
Other Assets	62,204.3	68,001.1	41,282.4	37,427.5	43,901.3	39,500.6	51,847.8	72,011.2	73,476.4
Accounts Receivables	49,706.0	56,111.4	28,788.0	26,160.2	32,615.6	29,540.9	36,294.7	57,105.3	60,267.5
Interest and Fee Receivables	10,338.3	9,787.1	10,532.6	9,361.8	9,250.5	8,126.0	13,921.6	13,395.0	11,655.0
Deferred Income Tax Assets	41.2	40.5	77.8	77.7	78.9	79.9	73.4	72.1	69.8
Other Assets (Miscellaneous)	2,126.9	2,070.4	1,899.1	1,837.0	1,991.5	1,818.7	1,715.8	1,763.9	1,852.9
Provision for Risks in Other Assets	-8.0	-8.3	-15.1	-9.2	-35.1	-64.9	-157.7	-325.1	-368.8
Total Assets	1,190,453.8	1,192,344.1	1,129,570.5	1,037,645.4	989,216.0	978,798.5	927,053.3	908,306.7	885,653.5
Due to Government and Borrowings from the State Bank of Vietnam	4,673.1	4,323.9	41.3	46.9	118.4	11.5	20.5	410.4	938.9
Placements and Borrowings from Other Credit Institutions	150,267.2	144,983.0	146,643.9	137,064.3	135,313.7	132,239.1	138,462.3	154,612.4	172,892.7
Placements from Other Credit Institutions	86,820.9	83,014.3	93,471.2	91,640.5	81,331.4	72,210.8	70,584.3	60,471.4	76,496.8
Borrowings from Other Credit Institutions	63,446.2	61,968.7	53,172.7	45,423.8	53,982.3	60,028.3	67,877.9	94,141.0	96,396.0
Deposits from Customers	599,808.2	618,911.5	595,086.9	545,078.8	531,583.1	533,392.3	494,954.0	481,860.2	458,040.7
Derivatives and Other Financial Liabilities	2,216.3	2,416.9	1,712.2	1,092.9	688.5	931.2	—	—	—
Valuable Papers Issued	217,897.0	215,330.1	181,742.5	172,337.6	147,933.1	140,422.3	126,061.3	111,985.3	93,776.8
Other Liabilities	28,909.1	26,877.2	24,913.1	20,197.6	19,626.6	23,862.4	23,187.2	20,886.7	22,131.6
Interest and Fee Payables	11,296.0	9,448.7	8,187.3	7,464.1	7,926.1	7,281.6	7,309.5	7,013.1	8,126.0
Other Liabilities (Miscellaneous)	17,613.1	17,428.5	16,725.8	12,733.5	11,700.5	16,580.8	15,877.7	13,873.7	14,005.6
Total Liabilities	1,003,771.0	1,012,842.7	950,139.9	875,818.2	835,263.3	830,858.9	782,685.4	769,755.0	747,780.7
Capital and Reserves	186,682.8	179,501.4	179,430.6	161,827.2	153,952.7	147,939.6	144,368.0	138,551.7	137,872.7
Capital	78,808.8	78,626.4	78,412.5	78,412.5	78,412.5	78,412.5	71,006.2	71,006.2	36,257.5
Charter Capital	70,862.4	70,862.4	70,648.5	70,648.5	70,648.5	70,648.5	70,450.2	70,450.2	35,225.1
Share Premium	-0.1	-0.1	-0.1	-0.1	-0.1	-0.1	—	—	476.4
Other Capital	7,946.5	7,764.1	7,764.1	7,764.1	7,764.1	7,764.1	556.0	556.0	556.0
Reserves	28,651.7	28,644.6	24,786.5	24,786.8	24,786.8	24,784.6	20,845.0	20,845.4	45,028.4
Foreign Exchange Differences	—	—	—	—	—	—	10.5	-13.2	-20.1
Undistributed Earnings after Tax/Accumulated Loss	69,435.1	62,773.6	60,834.0	54,414.6	48,167.3	42,222.0	51,068.8	45,331.3	55,234.1
Minority Interest	9,787.1	9,456.9	15,397.5	4,213.2	2,586.0	2,520.5	1,437.4	1,381.9	1,372.8
Total Liabilities and Equity	1,190,453.8	1,192,344.1	1,129,570.5	1,037,645.4	989,216.0	978,798.5	927,053.3	908,306.7	885,653.5

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	19,598.3	20,446.2	16,500.1	16,217.9	14,067.0	20,798.0	14,499.0	13,665.4	12,786.5
Payments for Interest and Similar Expenses	-8,293.1	-7,377.2	-7,027.9	-7,377.5	-5,978.9	-6,517.3	-5,847.4	-6,426.1	-7,333.7
Receipts from Fee and Commission Income	2,854.7	2,349.4	2,280.1	1,992.4	1,775.0	1,512.7	1,967.0	2,099.0	2,101.2
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	865.7	999.5	1,339.1	1,085.1	1,054.3	-20.6	378.3	1,181.2	1,611.2
Receipts from Other Income	-232.7	186.8	5.7	6.4	-102.7	-1,078.7	37.3	-285.5	-1,032.8
Receipts from Collection of Written-off Debts	177.4	253.7	561.1	252.7	286.8	309.1	391.3	294.1	143.7
Payments for Staff Costs and Operating Expenses	-4,607.1	-2,516.2	-3,046.5	-3,160.8	-4,603.1	-2,667.7	-1,919.8	-2,245.1	-3,273.6
Corporate Income Tax Paid	-4,607.9	-21.2	-970.9	-775.9	-5,409.7	-58.0	-104.5	-266.8	-3,659.9
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	5,755.2	14,320.9	9,640.8	8,240.2	1,088.7	12,277.5	9,401.2	8,016.2	1,342.5
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	4,338.6	6,863.8	-6,079.1	673.4	95.1	-977.6	2,121.8	5,005.2	6,572.4
(Increase)/Decrease in Trading Securities and Investment Securities	7,588.6	-9,808.0	3,431.1	-16,447.4	13,805.2	-33,856.0	-6,387.4	3,749.6	4,866.6
(Increase)/Decrease in Derivatives and Other Financial Assets	—	—	—	—	—	269.2	-98.9	558.9	-585.6
(Increase)/Decrease in Loans and Advances to Customers	-29,246.8	-907.2	-56,396.9	-46,620.1	-31,967.9	-5,434.2	-34,207.5	-32,806.4	-40,635.3
(Decrease)/Increase in Provisions for Damages	-182.6	-960.4	-372.6	-214.3	-525.5	-488.7	-206.6	-1,010.2	-965.2
(Increase)/Decrease in Other Operating Assets	5,896.7	-28,546.0	-3,344.2	5,921.9	-3,646.8	7,395.6	16,936.6	2,026.1	8,343.6
Increase/(Decrease) in Due to Government and Borrowings from State Bank	38.0	4,306.7	—	—	—	—	—	—	—
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	5,284.2	-1,660.9	9,579.6	1,750.6	3,074.6	-6,223.2	-16,150.1	-18,280.3	19,719.7
Increase/(Decrease) in Deposits from Customers	-18,792.1	23,800.5	50,002.4	13,424.3	-1,702.5	38,429.3	12,703.9	23,291.0	4,318.7
Increase/(Decrease) in Valuable Papers Issued	2,566.9	42,992.5	—	24,404.6	7,510.7	—	14,076.0	18,208.5	9,073.5
Increase/(Decrease) in Funds Received from Government and Institutions	—	—	41,320.2	—	—	55,719.0	—	—	—
Increase/(Decrease) in Derivatives and Other Financial Liabilities	-200.6	704.8	619.3	404.3	-242.7	931.2	—	—	—
Increase/(Decrease) in Other Operating Liabilities	4,866.4	-2,623.5	3,148.0	691.4	1,496.3	-1,650.3	126.0	-2,771.1	991.9
Payments from Reserves	-0.3	-1.2	-0.3	-0.0	-0.5	-0.2	-0.4	-1.8	-0.2
Net Cash Flows from Operating Activities	-12,087.8	39,077.1	19,633.0	-7,771.2	-11,015.3	25,033.7	-1,685.3	5,985.6	13,042.6
Purchase of Fixed Assets	-35.7	-148.4	-201.5	-271.6	-35.5	-1,052.2	-286.4	-200.9	-79.3
Receipts from Disposal of Fixed Assets	0.7	0.8	0.8	1.5	0.3	1,510.0	229.8	1.4	0.2
Payments for Disposal of Fixed Assets	-0.1	-0.1	-0.7	-2.2	-0.0	-1,249.7	-0.0	0.0	-0.0
Payments for Investment in Other Entities	—	-156.6	-33.0	-10.3	—	-55.0	0.0	-1.3	—
Dividends and Profit Received	2.2	1.9	6.5	31.5	0.0	0.1	6.4	58.1	0.0
Net Cash Flows from Investing Activities	-33.0	-302.3	-227.8	-251.1	-35.2	-846.8	-50.2	-142.7	657.2
Receipts from Equity Issue and Owner Capital Contribution	2.8	-1,162.9	—	1,376.7	—	196.0	0.0	2.3	—
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	—	0.0	12,106.8	—	—	2.3	—	—	—
Dividends Paid and Profits Distributed to Owners	—	-7,084.9	—	—	—	0.0	-70.2	-5,140.0	—
Net Cash Flows from Financing Activities	2.8	-6,871.1	10,730.1	1,376.7	—	198.2	-70.2	-5,137.8	—
Net Cash Flows during the Period	-12,118.0	31,903.7	30,135.3	-6,645.6	-11,050.4	24,385.1	-1,805.8	705.1	13,699.8
Cash and Cash Equivalents at Beginning of the Period	191,827.3	159,923.7	129,788.4	136,434.0	147,484.4	123,109.8	124,891.9	124,179.8	110,500.2
Exchange Difference due to Re-valuation of Ending Balances	—	—	—	—	—	—	10.5	-13.2	-20.1
Cash and Cash Equivalents at End of the Period	179,709.4	191,827.3	159,923.7	129,788.4	136,434.0	147,484.4	123,109.8	124,891.9	124,179.8

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