VBB · Ngân hàng TMCP Việt Nam Thương Tín

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

Item	2025	2024
Interest Income and Similar Income	11,980.4	9,721.9
Interest Expense and Similar Expenses	8,653.8	6,910.3
Net Interest Income	3,326.6	2,811.6
Fee and Commission Income	262.1	231.6
Fee and Commission Expenses	101.7	94.9
Net Fee and Commission Income	160.4	136.7
Net Gain/(Loss) from Foreign Currencies and Gold Trading	89.7	80.2
Net Gain/(Loss) from Investment Securities	51.0	19.0
Other Income	6.5	463.6
Other Expenses	11.8	9.8
Net Other Income	-5.2	453.8
Operating Expenses	1,728.8	1,565.2
Operating Profit before Provision for Credit Losses	1,893.8	1,936.1
Provision for Credit Losses	362.3	804.8
Profit Before Tax	1,531.5	1,131.3
Current Corporate Income Tax Expense	321.9	230.4
Corporate Income Tax	321.9	230.4
Net Profit After Tax	1,209.6	900.9
Net Profit Attributable to the Equity Holders of the Bank	1,209.6	900.9
Earnings per Share	1,589.00	1,656.00

Item	2025	2024
Cash, Gold and Precious Stones	752.8	548.6
Balances with the State Bank of Vietnam	3,932.9	7,024.7
Placements at and Loans to Other Credit Institutions	51,514.9	35,921.2
Placements at Other Credit Institutions	50,914.9	34,021.2
Loans to Other Credit Institutions	600.0	1,900.0
Trading Securities	—	340.3
Trading Securities (Gross)	—	340.3
Derivatives and Other Financial Assets	328.3	89.1
Loans, Advances and Finance Leases to Customers	103,772.4	92,493.1
Loans, Advances and Finance Leases to Customers (Gross)	105,235.1	93,637.0
Provision for Losses on Loans, Advances and Finance Leases to Customers	-1,462.6	-1,144.0
Investment Securities	29,131.2	22,417.4
Available-for-sale Securities	7,211.6	2,729.3
Held-to-maturity Securities	21,943.8	19,688.1
Provision for Diminution in Value of Investment Securities	-24.3	—
Fixed Assets	3,903.4	698.9
Tangible Fixed Assets	910.1	543.4
Tangible Fixed Assets Cost	1,536.5	1,126.0
Accumulated Depreciation of Tangible Fixed Assets	-626.5	-582.6
Intangible Fixed Assets	2,993.3	155.4
Intangible Fixed Assets Cost	3,261.5	385.1
Accumulated Depreciation of Intangible Fixed Assets	-268.2	-229.7
Other Assets	3,435.1	3,322.1
Accounts Receivables	474.7	617.7
Interest and Fee Receivables	2,738.3	2,560.6
Other Assets (Miscellaneous)	236.1	157.3
Provision for Risks in Other Assets	-14.0	-13.5
Total Assets	196,771.0	162,855.3
Due to Government and Borrowings from the State Bank of Vietnam	4,415.4	222.9
Placements and Borrowings from Other Credit Institutions	51,633.4	38,416.2
Placements from Other Credit Institutions	49,208.3	33,042.4
Borrowings from Other Credit Institutions	2,425.1	5,373.8
Deposits from Customers	101,449.6	94,841.5
Valuable Papers Issued	23,645.1	17,678.3
Other Liabilities	3,196.1	2,995.5
Interest and Fee Payables	2,797.0	2,568.5
Other Liabilities (Miscellaneous)	399.0	427.0
Total Liabilities	184,339.5	154,154.3
Capital and Reserves	12,431.6	8,701.1
Capital	10,768.2	7,139.2
Charter Capital	10,769.0	7,139.4
Share Premium	-0.8	-0.2
Reserves	657.8	676.0
Undistributed Earnings after Tax/Accumulated Loss	1,005.5	885.9
Total Liabilities and Equity	196,771.0	162,855.3

Item	2025	2024
Receipts from Interest and Similar Income	11,871.7	9,868.8
Payments for Interest and Similar Expenses	-8,477.1	-7,271.4
Receipts from Fee and Commission Income	132.3	136.7
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	154.5	99.2
Receipts from Other Income	-11.4	-9.3
Receipts from Collection of Written-off Debts	4.8	463.2
Payments for Staff Costs and Operating Expenses	-1,896.8	-1,358.9
Corporate Income Tax Paid	-173.1	-247.2
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	1,604.9	1,681.2
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	1,300.0	-1,900.0
(Increase)/Decrease in Trading Securities and Investment Securities	-9,397.7	-2,241.0
(Increase)/Decrease in Derivatives and Other Financial Assets	-239.3	-69.2
(Increase)/Decrease in Loans and Advances to Customers	-11,598.0	-12,882.6
(Decrease)/Increase in Provisions for Damages	-19.3	-463.2
(Increase)/Decrease in Other Operating Assets	-73.8	56.7
Increase/(Decrease) in Due to Government and Borrowings from State Bank	4,192.5	213.9
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	13,217.2	11,794.4
Increase/(Decrease) in Deposits from Customers	6,608.1	4,845.8
Increase/(Decrease) in Valuable Papers Issued	4,551.7	6,127.1
Increase/(Decrease) in Other Operating Liabilities	-37.2	447.4
Net Cash Flows from Operating Activities	10,109.1	7,610.3
Purchase of Fixed Assets	-3,076.7	-443.1
Receipts from Disposal of Fixed Assets	0.5	0.3
Net Cash Flows from Investing Activities	-3,076.2	-442.8
Receipts from Equity Issue and Owner Capital Contribution	2,558.1	934.7
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	2,500.0	—
Net Cash Flows from Financing Activities	3,973.2	934.7
Net Cash Flows during the Period	11,006.1	8,102.2
Cash and Cash Equivalents at Beginning of the Period	44,594.5	36,492.3
Cash and Cash Equivalents at End of the Period	55,600.6	44,594.5

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	3,684.1	3,290.5	3,453.9	2,961.6	2,825.7	2,739.2	2,549.9	2,544.9	2,390.5	2,236.5
Interest Expense and Similar Expenses	2,690.5	2,522.4	2,345.2	2,133.7	2,138.2	2,036.7	1,851.4	1,692.8	1,579.6	1,786.5
Net Interest Income	993.6	768.1	1,108.7	828.0	687.4	702.5	698.6	852.1	810.9	450.0
Fee and Commission Income	50.0	39.0	63.3	80.7	62.9	55.2	55.6	69.7	52.4	53.9
Fee and Commission Expenses	25.1	17.3	26.4	21.9	28.7	24.7	28.8	23.4	22.6	20.1
Net Fee and Commission Income	25.0	21.6	37.0	58.7	34.2	30.5	26.9	46.3	29.8	33.8
Net Gain/(Loss) from Foreign Currencies and Gold Trading	34.6	15.7	13.1	25.1	30.8	20.7	25.2	18.5	15.4	21.0
Net Gain/(Loss) from Investment Securities	97.8	1.0	29.5	-1.7	9.8	13.5	7.1	1.9	1.0	9.0
Other Income	6.2	0.2	1.6	0.7	2.5	1.8	460.7	1.1	1.0	0.8
Other Expenses	2.0	0.4	3.1	3.0	1.7	4.1	4.5	3.6	0.5	1.1
Net Other Income	4.2	-0.3	-1.5	-2.3	0.8	-2.2	456.2	-2.5	0.4	-0.3
Operating Expenses	487.3	444.6	454.4	472.7	403.0	398.2	462.6	374.3	378.4	349.7
Operating Profit before Provision for Credit Losses	667.8	361.6	732.3	435.1	360.0	366.7	751.4	542.0	479.0	163.8
Provision for Credit Losses	-109.0	194.9	67.1	83.2	94.0	118.4	440.4	132.2	141.9	90.4
Profit Before Tax	776.8	166.8	665.3	351.9	266.0	248.3	310.9	409.8	337.1	73.4
Current Corporate Income Tax Expense	157.5	35.3	145.5	71.7	54.3	50.2	63.6	82.3	68.5	16.0
Corporate Income Tax	157.5	35.3	145.5	71.7	54.3	50.2	63.6	82.3	68.5	16.0
Net Profit After Tax	619.3	131.4	519.8	280.2	211.7	198.2	247.4	327.5	268.6	57.4
Net Profit Attributable to the Equity Holders of the Bank	619.3	131.4	519.8	280.2	211.7	198.2	247.4	327.5	268.6	57.4
Earnings per Share	—	122.00	—	—	—	278.00	—	1,143.00	571.00	120.00

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	670.3	580.8	752.8	660.4	667.3	662.3	548.6	560.7	551.6	607.9
Balances with the State Bank of Vietnam	2,875.9	1,702.9	3,932.9	4,244.8	6,663.7	2,846.3	7,024.7	1,849.8	2,366.0	2,967.1
Placements at and Loans to Other Credit Institutions	46,766.7	38,633.7	51,514.9	45,786.7	38,100.7	46,317.3	35,921.2	34,856.8	26,625.0	29,193.4
Placements at Other Credit Institutions	46,516.7	38,333.7	50,914.9	45,286.7	35,700.7	43,917.3	34,021.2	34,356.8	26,425.0	28,993.4
Loans to Other Credit Institutions	250.0	300.0	600.0	500.0	2,400.0	2,400.0	1,900.0	500.0	200.0	200.0
Trading Securities	—	—	—	—	117.4	2,043.3	2,770.8	1,451.0	839.0	—
Trading Securities (Gross)	—	—	—	—	117.4	2,043.3	2,770.8	1,451.0	839.0	—
Derivatives and Other Financial Assets	333.9	129.9	328.3	—	56.0	169.5	89.1	79.1	115.5	50.2
Loans, Advances and Finance Leases to Customers	118,400.7	108,035.5	103,772.4	103,779.9	101,102.3	96,036.5	92,493.1	90,810.9	87,989.2	80,620.2
Loans, Advances and Finance Leases to Customers (Gross)	119,949.2	109,693.0	105,235.1	105,195.3	102,447.5	97,298.8	93,637.0	91,953.3	88,999.4	81,488.5
Provision for Losses on Loans, Advances and Finance Leases to Customers	-1,548.5	-1,657.5	-1,462.6	-1,415.3	-1,345.1	-1,262.4	-1,144.0	-1,142.4	-1,010.2	-868.3
Investment Securities	27,148.7	33,071.0	29,131.2	29,316.1	27,037.8	21,462.6	19,986.9	18,139.8	21,191.8	21,238.9
Available-for-sale Securities	2,591.0	4,937.3	7,211.6	7,112.2	9,119.7	1,591.7	298.8	450.3	350.8	350.8
Held-to-maturity Securities	24,560.3	28,146.7	21,943.8	22,228.3	17,929.4	19,870.9	19,688.1	17,689.5	20,841.0	20,888.1
Provision for Diminution in Value of Investment Securities	-2.6	-13.0	-24.3	-24.3	-11.2	—	—	—	—	—
Other Long-term Investments	—	—	—	—	—	—	—	—	1.4	1.4
Provision for Diminution in Value of Long-term Investments	—	—	—	—	—	—	—	—	-1.4	-1.4
Fixed Assets	3,850.7	3,881.7	3,903.4	869.2	671.5	686.2	698.9	708.2	728.9	782.7
Tangible Fixed Assets	912.3	915.9	910.1	539.6	535.3	540.6	543.4	543.9	556.9	586.5
Tangible Fixed Assets Cost	1,574.4	1,560.9	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-662.2	-645.0	—	—	—	—	—	—	—	—
Intangible Fixed Assets	2,938.4	2,965.8	2,993.3	329.7	136.2	145.7	155.4	164.3	172.1	196.2
Intangible Fixed Assets Cost	3,261.5	3,261.5	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-323.1	-295.7	—	—	—	—	—	—	—	—
Other Assets	4,778.0	4,175.6	3,435.1	3,476.1	4,254.2	4,153.8	3,322.6	3,501.1	3,696.3	3,397.4
Accounts Receivables	607.4	504.1	474.7	707.7	801.4	722.8	618.2	603.9	738.1	616.4
Interest and Fee Receivables	3,880.3	3,375.0	2,738.3	2,582.1	3,258.2	3,237.8	2,560.6	2,754.6	2,810.3	2,628.8
Other Assets (Miscellaneous)	306.5	310.5	236.1	199.9	208.2	206.8	157.3	153.6	159.0	163.1
Provision for Risks in Other Assets	-16.3	-14.0	-14.0	-13.5	-13.5	-13.5	-13.5	-11.0	-11.0	-11.0
Total Assets	204,824.9	190,211.1	196,771.0	188,133.4	178,671.0	174,377.7	162,855.8	151,957.5	144,103.3	138,857.7
Due to Government and Borrowings from the State Bank of Vietnam	5,224.2	4,050.2	4,415.4	2,550.4	6.1	6.4	222.9	7.4	7.6	8.4
Placements and Borrowings from Other Credit Institutions	50,299.0	47,958.1	51,633.4	54,869.7	42,869.8	39,300.8	38,416.2	32,461.9	28,400.3	24,844.2
Placements from Other Credit Institutions	49,799.0	45,258.1	49,208.3	49,396.5	38,494.3	33,853.1	32,882.4	28,333.0	25,777.8	21,410.3
Borrowings from Other Credit Institutions	500.0	2,700.0	2,425.1	5,473.2	4,375.5	5,447.7	5,533.7	4,128.9	2,622.5	3,433.9
Deposits from Customers	103,892.7	96,521.5	101,449.6	100,829.8	104,208.4	103,017.2	94,841.5	91,497.4	93,577.9	93,436.8
Derivatives and Other Financial Liabilities	—	—	—	3.2	—	—	—	—	—	—
Valuable Papers Issued	28,254.9	25,842.1	23,645.1	17,707.0	19,382.2	20,118.9	17,678.3	17,007.2	11,392.2	10,451.2
Other Liabilities	4,000.1	3,277.4	3,195.9	2,819.9	3,131.0	3,036.4	2,996.0	2,530.1	2,600.0	3,164.4
Interest and Fee Payables	3,618.4	3,010.9	2,797.0	2,445.9	2,739.8	2,600.6	2,568.5	2,179.9	2,313.9	2,335.8
Other Liabilities (Miscellaneous)	381.7	266.5	398.9	374.0	391.2	435.8	427.5	350.2	286.2	828.6
Total Liabilities	191,670.9	177,649.3	184,339.3	178,779.9	169,597.5	165,479.7	154,154.8	143,504.0	135,978.1	131,904.9
Capital and Reserves	13,154.0	12,561.7	12,431.7	9,353.5	9,073.5	8,898.0	8,701.1	8,453.5	8,125.2	6,952.8
Capital	10,768.0	10,768.2	10,768.2	8,210.1	7,139.2	7,139.2	7,139.2	5,711.3	5,711.3	4,776.8
Charter Capital	10,769.0	10,769.0	10,769.0	8,210.3	7,139.4	7,139.4	7,139.4	5,711.5	5,711.5	4,776.8
Share Premium	-1.0	-0.8	-0.8	-0.2	-0.2	-0.2	-0.2	-0.2	-0.2	—
Reserves	657.8	657.8	429.0	429.0	676.0	676.0	676.0	495.8	495.8	495.8
Foreign Exchange Differences	-3.1	-1.3	—	-0.4	-0.2	-1.2	—	-0.2	-1.0	-0.3
Undistributed Earnings after Tax/Accumulated Loss	1,731.3	1,137.0	1,234.5	714.8	1,258.5	1,084.1	885.9	2,246.6	1,919.1	1,680.5
Total Liabilities and Equity	204,824.9	190,211.1	196,771.0	188,133.4	178,671.0	174,377.7	162,855.8	151,957.5	144,103.3	138,857.7

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	3,347.3	2,631.6	3,366.7	3,637.8	1,450.9	3,416.4	2,744.0	2,600.5	2,209.1	2,315.2
Payments for Interest and Similar Expenses	-1,966.0	-2,708.6	-2,046.3	-2,429.3	-1,996.9	-2,004.6	-1,462.8	-1,826.8	-1,601.5	-2,380.3
Receipts from Fee and Commission Income	15.1	24.5	7.3	59.8	34.6	30.5	26.9	46.3	29.8	33.8
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	168.9	53.9	56.3	23.4	40.7	34.1	32.3	20.5	16.4	30.1
Receipts from Other Income	-1.6	-0.3	-3.4	-2.5	-3.2	-2.2	-10.5	1.2	-0.3	0.3
Receipts from Collection of Written-off Debts	5.8	0.1	1.0	0.1	240.5	-236.8	461.5	0.0	1.2	0.5
Payments for Staff Costs and Operating Expenses	-400.2	-422.9	-584.8	-464.6	-487.3	-360.1	4.4	-713.6	-255.5	-394.2
Corporate Income Tax Paid	-28.7	-211.7	-5.3	-54.4	-0.3	-113.2	-82.3	-68.5	-15.9	-80.4
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	1,140.5	-633.4	791.5	770.4	-721.1	764.1	1,713.3	59.6	383.2	-475.0
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	50.0	300.0	-100.0	1,900.0	0.0	-500.0	-1,400.0	-300.0	0.0	-200.0
(Increase)/Decrease in Trading Securities and Investment Securities	5,954.4	-3,928.6	185.0	-2,174.0	-3,660.6	-3,748.1	-165.7	-561.3	2,208.1	-3,722.2
(Increase)/Decrease in Derivatives and Other Financial Assets	-204.1	198.5	-328.3	56.0	113.5	-80.4	-9.9	36.3	-65.2	-30.4
(Increase)/Decrease in Loans and Advances to Customers	-10,256.3	-4,457.9	-39.8	-2,747.8	-5,385.4	-3,425.0	-2,048.3	-2,821.7	-7,369.1	-643.6
(Decrease)/Increase in Provisions for Damages	—	—	-19.3	—	—	—	-463.2	—	—	—
(Increase)/Decrease in Other Operating Assets	-173.4	1.6	232.4	-127.7	1,330.5	-1,508.9	66.9	-53.6	75.6	-32.3
Increase/(Decrease) in Due to Government and Borrowings from State Bank	1,173.9	-365.1	1,864.9	2,544.3	-0.3	-216.4	215.5	-0.3	-0.7	-0.6
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	2,340.8	-3,675.2	-3,236.3	11,999.9	3,569.0	884.6	5,954.2	4,061.6	3,556.1	-1,777.6
Increase/(Decrease) in Deposits from Customers	7,371.3	-4,928.1	619.8	-3,378.6	1,191.2	8,175.7	3,344.1	-2,080.5	141.1	3,441.1
Increase/(Decrease) in Valuable Papers Issued	3,199.4	2,197.0	4,523.0	-1,675.2	1,703.9	—	6,286.1	—	941.0	-1,100.0
Increase/(Decrease) in Derivatives and Other Financial Liabilities	—	—	—	-2,437.5	—	2,440.7	—	5,456.0	—	—
Increase/(Decrease) in Other Operating Liabilities	-396.7	371.7	0.0	-0.0	-96.8	59.6	416.2	338.5	-924.0	616.6
Net Cash Flows from Operating Activities	10,199.9	-14,919.6	4,489.6	7,170.5	-4,396.8	2,845.8	8,294.3	4,293.7	-1,053.8	-3,923.9
Purchase of Fixed Assets	34.1	-62.3	-3,054.8	-10.0	1.2	-13.2	-467.6	168.0	-143.7	0.3
Receipts from Disposal of Fixed Assets	0.0	0.0	0.1	0.0	0.4	—	-37.4	—	37.7	—
Net Cash Flows from Investing Activities	34.1	-62.3	-3,054.6	-10.0	1.6	-13.2	-467.3	130.3	-106.1	0.3
Receipts from Equity Issue and Owner Capital Contribution	-0.2	—	2,558.1	—	—	—	0.0	0.0	934.7	—
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	1,500.0	—	2,500.0	—	—	—	—	—	—	—
Net Cash Flows from Financing Activities	-786.8	—	3,973.2	—	—	—	0.0	0.0	934.7	—
Net Cash Flows during the Period	9,447.3	-14,981.9	5,408.3	7,160.5	-4,395.2	2,832.6	7,827.0	4,423.9	-225.1	-3,923.6
Cash and Cash Equivalents at Beginning of the Period	40,617.4	55,600.6	50,192.0	43,031.7	47,425.9	44,594.5	36,767.3	32,342.6	32,568.4	36,492.3
Exchange Difference due to Re-valuation of Ending Balances	-1.8	-1.3	—	-0.4	-0.2	-1.2	—	-0.2	-1.0	-0.3
Cash and Cash Equivalents at End of the Period	50,062.9	40,617.4	55,600.6	50,192.0	43,031.7	47,425.9	44,594.5	36,767.3	32,342.6	32,568.4

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Điểm nhấn trong BCTC của Ngân hàng TMCP Việt Nam Thương Tín (VBB) mà bạn nên biết

Q2/2026 VBB bank opening narrative plan rendered.

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Tiếp theo: Chuỗi số liệu & so sánh ngành → Tổng quan· Bóc tách BCTC· Nhận định