Southeast Asia Commercial Joint Stock Bank (HOSE:SSB)
Vietnam
· Delayed Price · Currency is VND 17,000
+200 (1.19%)
At close: Mar 5, 2026
HOSE:SSB Income Statement
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2018 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2018 |
| Interest Income on Loans | 24,569,893 | 20,716,605 | 19,718,490 | 15,149,800 | 11,804,488 | Upgrade
|
| Interest Paid on Deposits | 14,866,059 | 10,750,195 | 12,647,771 | 8,143,873 | 6,618,395 | Upgrade
|
| Net Interest Income | 9,703,834 | 9,966,410 | 7,070,719 | 7,005,927 | 5,186,093 | Upgrade
|
| Net Interest Income Growth (YoY) | -2.63% | 40.95% | 0.92% | 35.09% | 69.38% | Upgrade
|
| Income From Trading Activities | 217,406 | -172,141 | 109,180 | 228,111 | 58,462 | Upgrade
|
| Gain (Loss) on Sale of Assets | 2,607,318 | - | - | - | - | Upgrade
|
| Gain (Loss) on Sale of Investments | 268,721 | 321,584 | 129,239 | 621,497 | 333,508 | Upgrade
|
| Other Non-Interest Income | 1,316,411 | 2,293,323 | 2,115,432 | 1,792,036 | 1,485,038 | Upgrade
|
| Total Non-Interest Income | 4,409,856 | 2,442,766 | 2,353,851 | 2,641,644 | 1,877,008 | Upgrade
|
| Non-Interest Income Growth (YoY) | 80.53% | 3.78% | -10.89% | 40.74% | 23.33% | Upgrade
|
| Revenues Before Loan Losses | 14,113,690 | 12,409,176 | 9,424,570 | 9,647,571 | 7,063,101 | Upgrade
|
| Provision for Loan Losses | 2,585,848 | 2,239,382 | 1,200,285 | 1,174,738 | 1,237,838 | Upgrade
|
| Revenue | 11,527,842 | 10,169,794 | 8,224,285 | 8,472,833 | 5,825,263 | Upgrade
|
| Revenue Growth (YoY) | 13.35% | 23.66% | -2.93% | 45.45% | 49.12% | Upgrade
|
| Salaries and Employee Benefits | 2,699,925 | 2,113,460 | 1,856,595 | 1,800,099 | 1,316,617 | Upgrade
|
| Occupancy Expenses | 847,813 | 774,028 | 671,177 | 568,183 | 413,182 | Upgrade
|
| Federal Deposit Insurance | 142,988 | 135,804 | 117,411 | 100,038 | 112,083 | Upgrade
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| Amortization of Goodwill & Intangibles | - | 71,205 | 71,205 | 71,206 | 71,206 | Upgrade
|
| Selling, General & Administrative | 631,291 | 705,592 | 653,260 | 643,637 | 409,085 | Upgrade
|
| Other Non-Interest Expense | 337,436 | 330,306 | 238,079 | 220,684 | 234,552 | Upgrade
|
| Total Non-Interest Expense | 4,659,453 | 4,130,395 | 3,607,727 | 3,403,847 | 2,556,725 | Upgrade
|
| EBT Excluding Unusual Items | 6,868,389 | 6,039,399 | 4,616,558 | 5,068,986 | 3,268,538 | Upgrade
|
| Pretax Income | 6,868,389 | 6,039,399 | 4,616,558 | 5,068,986 | 3,268,538 | Upgrade
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| Income Tax Expense | 1,358,850 | 1,223,373 | 939,603 | 1,016,058 | 662,020 | Upgrade
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| Net Income | 5,509,539 | 4,816,026 | 3,676,955 | 4,052,928 | 2,606,518 | Upgrade
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| Preferred Dividends & Other Adjustments | 165,286 | 144,481 | 110,010 | 116,336 | 18,419 | Upgrade
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| Net Income to Common | 5,344,253 | 4,671,545 | 3,566,945 | 3,936,592 | 2,588,099 | Upgrade
|
| Net Income Growth | 14.40% | 30.98% | -9.28% | 55.49% | 91.59% | Upgrade
|
| Basic Shares Outstanding | 2,843 | 2,835 | 2,794 | 2,852 | 2,512 | Upgrade
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| Diluted Shares Outstanding | 2,843 | 2,835 | 2,794 | 2,852 | 2,512 | Upgrade
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| Shares Change (YoY) | 0.29% | 1.46% | -2.01% | 13.53% | 12.00% | Upgrade
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| EPS (Basic) | 1879.63 | 1647.81 | 1276.52 | 1380.49 | 1030.44 | Upgrade
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| EPS (Diluted) | 1879.63 | 1647.81 | 1276.52 | 1380.49 | 1030.44 | Upgrade
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| EPS Growth | 14.07% | 29.09% | -7.53% | 33.97% | 72.69% | Upgrade
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| Effective Tax Rate | 19.78% | 20.26% | 20.35% | 20.04% | 20.25% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.