Key Financial Indicators
| Balance Sheet (VND Billion) | Q1 | Q2 | Reviewed Interim | Q2/26 vs Q1/26 (%) | Q2/26 vs Q2/25 (%) |
|---|---|---|---|---|---|
| Total Assets | 412,911 | 440,990 | 440,990 | 6.80 | 29.20 |
| Total Outstanding Loans | 215,072 | 230,796 | 230,796 | 7.31 | 14.63 |
| Total Loans to Customers | 214,696 | 230,420 | 230,420 | 7.32 | 14.78 |
| Total Corporate Bonds | 376 | 376 | 376 | 0 | -35.77 |
| Total Deposits from Customers | 227,668 | 234,535 | 234,535 | 3.02 | 16.38 |
| CASA | 51,373 | 47,280 | 47,280 | -7.97 | 1.22 |
| Shareholder's Equity | 43,978 | 45,247 | 45,247 | 2.89 | 15.10 |
| Charter Capital | 31,200 | 31,200 | 31,200 | 0 | 20 |
| Operating Results | Q1 | Q2 | Reviewed Interim | Q2/26 vs Q1/26 (%) | Q2/26 vs Q2/25 (%) |
|---|---|---|---|---|---|
| Operating Income | 3,649 | 3,395 | 7,044 | -6.96 | -3.97 |
| Net Interest Income | 3,198 | 3,001 | 6,199 | -6.16 | 16.10 |
| Operating Expenses | 1,259 | 1,325 | 2,584 | 5.24 | 1.61 |
| Provision Expenses | 500 | 538 | 1,038 | 7.60 | -21.93 |
| Profit Before Tax | 1,890 | 1,532 | 3,423 | -18.94 | -0.66 |
| Profit After Tax | 1,514 | 1,251 | 2,765 | -17.37 | 1.09 |
| Financial indicators | Q1 | Q2 | Reviewed Interim | Q2/26 vs Q1/26 (%) | Q2/26 vs Q2/25 (%) |
|---|---|---|---|---|---|
| CIR | 34.51 | 38.85 | 36.60 | 4.34 | 1.81 |
| ROA | 1.55 | 1.46 | 1.46 | -0.09 | -0.14 |
| ROE | 14.14 | 13.68 | 13.68 | -0.46 | 0.03 |
| NIM | 3.23 | 3.17 | 3.17 | -0.06 | -0.28 |
| Consolidated NPL Ratio under Circular 31 | 1.88 | 1.83 | 1.83 | -0.05 | -0.14 |
| TSeperate Credit Growth | 2.44 | 10.43 | 10.43 | 7.99 | -2.96 |
| CAR | 12.74 | 12.27 | 12.37 | -0.47 | -0.01 |
| MTLT | 25.76 | 26.89 | 26.89 | 1.13 | 0.32 |
| LDR | 62.91 | 66.76 | 66.76 | 3.85 | -7.27 |
| Earning per share | 48,500 | 40,100 | 88,600 | -17.32 | -15.76 |
| CASA Ratio | 26.49 | 23.10 | 23.10 | -3.39 | -3.68 |
