SHB

Ngân hàng TMCP Sài Gòn - Hà Nội ·HOSE ·2026Q1

● MIXED SIGNALS

Operations remain stable ROAA 1.42%, -0.04 pp YoY

Price

13,600

Latest close

02 Jun 2026

P/B 0.9x

ROAE (TTM) 18.3%

NIM (TTM) 3.0%

ROAA (TTM) 1.4%

LDR 94.4%

Bank Picture

SHB bank opening narrative plan rendered.

	                            
	                                Gross loans
	                            
	                                    628,157 bn VND
	                                
+18.3% YoY

	                            
	                                Quarterly provision
	                            
	                                    1,532 bn VND
	                                
+71.9% QoQ

	                            
	                                ROAA
	                            
	                                    1.42%
	                                
−0.0 pp QoQ

Metric	2025	2024
Net Interest Income	20.214,9	21.232,1
NIM	2,70%	3,06%
Net Fee Income	3.205,6	1.283,4
Provision Expense	7.575,4	6.242,8
Net Profit After Tax	11.960,3	9.321,9

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	5.497,2	3.830,8	5.323,8	9.126,8	5.543,7	8.283,8	3.261,8	4.098,6	5.170,1
NII Growth YoY	−1%	−54%	+63%	+123%	+7%	—	—	—	—
NIM	3,00%	3,18%	3,98%	3,80%	3,20%	3,28%	—	—	—
Net Fee Income	1.288,7	1.318,5	874,5	684,6	329,3	754,9	144,7	224,3	148,5
Provision Expense	1.532,2	891,4	1.490,4	4.140,8	621,1	4.632,7	517,4	503,6	708,2
Net Profit After Tax	3.726,0	2.259,9	2.606,7	3.606,5	3.496,3	1.981,6	1.739,9	2.275,3	3.209,3
Net Income Growth YoY	+7%	+14%	+50%	+59%	+9%	—	—	—	—

Drivers of SHB's profit

TTM

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

Net fee income +VND 2,713.1bn

Net interest income +VND 2,590.7bn

Other income +VND 539.0bn

FX & gold trading +VND 192.7bn

Investment securities +VND 124.2bn

Provision for credit losses +VND 1,780.1bn

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 959.5bn

Other income +VND 528.3bn

FX & gold trading +VND 16.7bn

Provision for credit losses +VND 911.1bn

Operating expenses +VND 223.7bn

Corporate income tax +VND 55.8bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Credit reading still relies mainly on credit cost, now at 1.01% of average earning assets; the missing piece is whether this level is just short-term noise or a new underlying base.

Reserve buffer on gross loans is around 1.85%. LDR stands at 94.4%.

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 1.01% +0.1pp

Reserve / Gross loans 1.85% +0.1pp

LDR 94.4% −2.3pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

Spread deserves closer monitoring because funding cost is already at 5.10%, even if pressure is not yet as severe as in clearer compression cases.

In the period, NIM reached 3.00%, −0.2pp YoY; asset yield was 8.10%, +0.4pp; while funding cost was 5.10%, +0.6pp. This suggests spread has become less favorable than before, though not yet in a clearly deteriorating two-sided way.

Watchpoints

Funding cost is elevated

Funding cost is 5.10%, pressuring net interest margin.

Key signals

NIM 3.00% −0.2pp

Asset yield 8.10% +0.4pp

Funding cost 5.10% +0.6pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings remain primarily core-led, with NII contributing around 79.3% of total operating income.

Nii accounts for 79.3% of toi, fee income is 13.9% of toi, other income is 5.3% of toi, cir stands at 22.2%, net profit equals 40.7% of toi.

Watchpoints

Fee income is helping diversify the earnings mix

Fee income share is improving clearly enough to make the earnings mix less dependent on net interest income.

Key signals

NII / TOI 79.3% −4.1pp

Fee / TOI 13.9% +2.7pp

Other income / TOI 5.3% +1.6pp

CIR 22.2% −0.3pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

Funding structure still looks fairly balanced, with customer funding at 74.0% and market funding at 26.0% of interest-bearing funding.

Ldr stands at 94.4%, equity equals 7.7% of assets, customer funding accounts for 74.0% of interest-bearing funding, market funding accounts for 26.0%.

Key signals

LDR 94.4% −2.3pp

Equity / Assets 7.7% +0.1pp

Customer funding 74.0% +0.2pp

Market funding 26.0% −0.2pp

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 1.54%, nim stands at 3.00%, credit cost is 1.01%, cir stands at 22.2%, average leverage is around 12.93 times.

Watchpoints

Average leverage is elevated

Average leverage is currently around 12.93 times.

Provisioning is rising sharply

Quarterly provision expense increased 71.9% QoQ.

Key signals

ROAA 1.42% −0.0pp

ROAE 18.32% −0.7pp

NI / Avg EA 1.54% −0.1pp

Quarterly provision VND 1,532bn +71.9% QoQ

2026Q1

Investment Takeaway

SHB bank investment takeaway — mixed signals. [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	57,323.1	50,487.3
Interest Expense and Similar Expenses	37,108.2	29,255.2
Net Interest Income	20,214.9	21,232.1
Fee and Commission Income	3,427.9	1,569.5
Fee and Commission Expenses	222.3	286.1
Net Fee and Commission Income	3,205.6	1,283.4
Net Gain/(Loss) from Foreign Currencies and Gold Trading	258.2	86.3
Net Gain/(Loss) from Trading Securities	42.5	3.3
Net Gain/(Loss) from Investment Securities	511.0	-218.1
Other Income	4,970.7	1,341.8
Other Expenses	159.8	186.1
Net Other Income	4,810.9	1,155.7
Income from Capital Contribution and Long-term Investments	-25.7	29.5
Operating Expenses	6,421.5	5,760.2
Operating Profit before Provision for Credit Losses	22,596.0	17,812.0
Provision for Credit Losses	7,575.4	6,242.8
Profit Before Tax	15,020.6	11,569.2
Current Corporate Income Tax Expense	3,056.2	2,261.3
Deferred Income Tax Expense	4.1	-14.0
Corporate Income Tax	3,060.3	2,247.3
Net Profit After Tax	11,960.3	9,321.9
Net Profit Attributable to the Equity Holders of the Bank	11,960.3	9,321.9
Earnings per Share	2,604.00	2,306.00

Item	2025	2024
Cash, Gold and Precious Stones	2,038.4	1,563.5
Balances with the State Bank of Vietnam	34,354.6	27,436.9
Placements at and Loans to Other Credit Institutions	137,105.6	117,348.8
Placements at Other Credit Institutions	126,105.4	92,635.6
Loans to Other Credit Institutions	11,000.2	24,713.3
Trading Securities	0.0	4,910.5
Trading Securities (Gross)	0.5	4,949.6
Provision for Diminution in Value of Trading Securities	-0.4	-39.2
Derivatives and Other Financial Assets	140.6	—
Loans, Advances and Finance Leases to Customers	604,363.7	511,153.2
Loans, Advances and Finance Leases to Customers (Gross)	614,862.0	519,950.0
Provision for Losses on Loans, Advances and Finance Leases to Customers	-10,498.3	-8,796.8
Investment Securities	28,300.0	32,336.0
Available-for-sale Securities	12,162.4	14,956.9
Held-to-maturity Securities	16,173.0	17,813.0
Provision for Diminution in Value of Investment Securities	-35.4	-433.9
Capital Contribution and Other Long-term Investments	413.8	441.3
Investments in Associates and Joint Ventures	342.3	370.0
Other Long-term Investments	158.3	158.3
Provision for Diminution in Value of Long-term Investments	-86.8	-87.0
Fixed Assets	5,538.9	5,328.0
Tangible Fixed Assets	828.6	826.9
Tangible Fixed Assets Cost	1,618.5	1,581.0
Accumulated Depreciation of Tangible Fixed Assets	-790.0	-754.1
Intangible Fixed Assets	4,710.4	4,501.1
Intangible Fixed Assets Cost	5,119.4	4,863.9
Accumulated Depreciation of Intangible Fixed Assets	-409.0	-362.7
Other Assets	79,753.0	46,959.9
Accounts Receivables	65,335.8	33,481.8
Interest and Fee Receivables	12,957.7	12,221.9
Deferred Income Tax Assets	10.4	—
Other Assets (Miscellaneous)	1,503.8	1,380.4
Provision for Risks in Other Assets	-54.8	-124.2
Total Assets	892,008.7	747,478.1
Due to Government and Borrowings from the State Bank of Vietnam	16,553.6	1,242.9
Placements and Borrowings from Other Credit Institutions	148,700.1	134,091.0
Placements from Other Credit Institutions	137,703.8	123,726.1
Borrowings from Other Credit Institutions	10,996.3	10,364.9
Deposits from Customers	572,149.6	499,896.6
Derivatives and Other Financial Liabilities	—	61.9
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	15,804.5	1,429.7
Valuable Papers Issued	53,096.6	39,248.2
Other Liabilities	17,573.4	13,440.5
Interest and Fee Payables	13,813.2	10,591.1
Other Liabilities (Miscellaneous)	3,723.7	2,827.4
Total Liabilities	823,877.8	689,410.7
Capital and Reserves	68,130.9	58,067.3
Capital	47,386.3	38,073.4
Charter Capital	45,942.0	36,629.1
Share Premium	1,449.6	1,449.6
Reserves	9,548.0	7,191.8
Foreign Exchange Differences	-446.3	-530.9
Undistributed Earnings after Tax/Accumulated Loss	11,642.9	13,333.0
Total Liabilities and Equity	892,008.7	747,478.1

Item	2025	2024
Receipts from Interest and Similar Income	56,462.6	52,149.0
Payments for Interest and Similar Expenses	-33,886.1	-32,689.7
Receipts from Fee and Commission Income	3,330.3	1,349.0
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	374.4	140.5
Receipts from Other Income	365.6	676.3
Receipts from Collection of Written-off Debts	4,445.9	478.1
Payments for Staff Costs and Operating Expenses	-6,280.4	-5,591.1
Corporate Income Tax Paid	-2,309.4	-1,858.6
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	22,502.9	14,653.4
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	13,440.8	-16,089.7
(Increase)/Decrease in Trading Securities and Investment Securities	9,383.6	2,341.1
(Increase)/Decrease in Derivatives and Other Financial Assets	-140.6	—
(Increase)/Decrease in Loans and Advances to Customers	-92,304.7	-81,485.8
(Decrease)/Increase in Provisions for Damages	-5,973.6	-6,654.4
(Increase)/Decrease in Other Operating Assets	-34,562.6	-12,772.1
Increase/(Decrease) in Due to Government and Borrowings from State Bank	15,310.7	-90.8
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	14,609.1	63,324.7
Increase/(Decrease) in Deposits from Customers	72,253.0	52,393.1
Increase/(Decrease) in Valuable Papers Issued	5,818.4	-3,573.5
Increase/(Decrease) in Funds Received from Government and Institutions	14,374.9	-181.6
Increase/(Decrease) in Derivatives and Other Financial Liabilities	-61.9	-35.2
Increase/(Decrease) in Other Operating Liabilities	306.3	119.9
Payments from Reserves	-38.6	—
Net Cash Flows from Operating Activities	34,917.8	11,949.1
Purchase of Fixed Assets	-347.2	-210.7
Receipts from Disposal of Fixed Assets	1.3	2.5
Payments for Disposal of Fixed Assets	-1.9	-1.2
Payments for Investment in Other Entities	-33.4	—
Dividends and Profit Received	35.4	29.5
Net Cash Flows from Investing Activities	-345.7	-180.0
Receipts from Equity Issue and Owner Capital Contribution	—	435.1
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	8,030.0	—
Dividends Paid and Profits Distributed to Owners	-2,011.9	-1,746.5
Net Cash Flows from Financing Activities	6,018.1	-1,311.4
Net Cash Flows during the Period	40,590.2	10,457.7
Cash and Cash Equivalents at Beginning of the Period	121,317.5	110,859.8
Cash and Cash Equivalents at End of the Period	161,907.7	121,317.5

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	17,133.3	14,201.4	14,908.4	18,005.2	13,868.2	15,893.7	10,375.4	10,958.2	13,052.4
Interest Expense and Similar Expenses	11,636.0	10,370.6	9,584.6	8,878.5	8,324.5	7,609.9	7,113.6	6,859.6	7,882.4
Net Interest Income	5,497.2	3,830.8	5,323.8	9,126.8	5,543.7	8,283.8	3,261.8	4,098.6	5,170.1
Fee and Commission Income	1,336.1	1,385.7	905.7	761.7	375.9	784.7	236.7	310.7	226.5
Fee and Commission Expenses	47.4	67.2	31.2	77.1	46.7	29.8	92.0	86.4	78.0
Net Fee and Commission Income	1,288.7	1,318.5	874.5	684.6	329.3	754.9	144.7	224.3	148.5
Net Gain/(Loss) from Foreign Currencies and Gold Trading	65.1	72.2	69.4	68.2	48.4	38.5	-25.7	21.0	52.5
Net Gain/(Loss) from Trading Securities	—	-0.1	0.4	—	—	2.1	0.0	—	—
Net Gain/(Loss) from Investment Securities	3.4	71.9	4.1	89.9	56.1	-110.0	74.8	24.2	5.0
Other Income	618.4	547.3	173.4	418.3	86.1	555.7	406.4	179.8	474.0
Other Expenses	18.5	55.1	29.8	60.4	14.5	127.3	17.5	14.0	17.8
Net Other Income	599.9	492.2	143.7	357.9	71.6	428.4	389.0	165.7	456.2
Income from Capital Contribution and Long-term Investments	16.8	7.6	-9.0	-23.3	1.9	6.2	7.1	7.7	7.5
Operating Expenses	1,283.2	2,108.0	1,628.2	1,620.7	1,059.4	2,276.4	1,160.9	1,195.3	1,114.7
Operating Profit before Provision for Credit Losses	6,188.1	3,685.2	4,778.7	8,683.3	4,991.6	7,127.6	2,690.8	3,346.3	4,725.2
Provision for Credit Losses	1,532.2	891.4	1,490.4	4,140.8	621.1	4,632.7	517.4	503.6	708.2
Profit Before Tax	4,655.9	2,793.8	3,288.2	4,542.5	4,370.5	2,494.9	2,173.4	2,842.7	4,017.0
Current Corporate Income Tax Expense	925.3	533.9	691.4	936.0	874.2	513.3	421.6	567.4	807.7
Deferred Income Tax Expense	4.7	—	-9.9	—	—	—	11.9	—	—
Corporate Income Tax	929.9	533.9	681.5	936.0	874.2	513.3	433.5	567.4	807.7
Net Profit After Tax	3,726.0	2,259.9	2,606.7	3,606.5	3,496.3	1,981.6	1,739.9	2,275.3	3,209.3
Net Profit Attributable to the Equity Holders of the Bank	3,726.0	2,259.9	2,606.7	3,606.5	3,496.3	1,981.6	1,739.9	2,275.3	3,209.3

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	2,351.5	2,038.4	1,825.6	2,097.1	1,690.8	1,563.5	1,537.5	1,708.8	1,557.6
Balances with the State Bank of Vietnam	14,682.2	34,354.6	27,985.3	30,626.6	35,473.3	27,440.9	38,162.9	23,163.1	8,836.2
Placements at and Loans to Other Credit Institutions	172,280.0	137,825.6	118,987.4	106,639.0	124,110.9	117,348.8	101,054.3	85,930.7	69,288.9
Placements at Other Credit Institutions	162,533.9	126,825.4	105,330.8	91,239.0	99,380.3	92,635.6	77,594.9	64,506.2	48,326.1
Loans to Other Credit Institutions	9,864.5	11,000.2	13,656.7	15,400.0	24,730.6	24,713.3	23,459.3	21,543.7	21,081.2
Provision for Losses and Risks	-118.4	—	—	—	—	—	—	-119.2	-118.4
Trading Securities	—	0.0	0.1	1.8	1.8	4,910.5	6,633.6	4,919.0	6,070.8
Trading Securities (Gross)	—	0.5	0.5	3.3	3.9	4,949.6	6,672.4	4,957.8	6,118.2
Provision for Diminution in Value of Trading Securities	—	-0.4	-0.4	-1.5	-2.1	-39.2	-38.8	-38.8	-47.4
Derivatives and Other Financial Assets	—	140.6	—	—	—	—	21.5	—	—
Loans, Advances and Finance Leases to Customers	616,537.4	604,141.4	597,275.1	584,584.4	558,296.5	510,998.8	471,738.8	452,157.7	428,512.9
Loans, Advances and Finance Leases to Customers (Gross)	628,157.2	614,862.0	607,852.5	594,564.1	567,948.1	519,950.0	480,983.9	461,255.7	437,666.5
Provision for Losses on Loans, Advances and Finance Leases to Customers	-11,619.8	-10,720.6	-10,577.4	-9,979.8	-9,651.7	-8,951.2	-9,245.2	-9,098.0	-9,153.7
Investment Securities	31,045.7	28,300.0	31,665.5	44,637.9	28,810.1	32,336.9	29,003.1	48,012.4	62,808.5
Available-for-sale Securities	12,157.2	12,162.4	16,267.8	17,326.7	14,395.4	14,956.9	12,733.8	14,023.7	14,020.6
Held-to-maturity Securities	18,923.7	16,173.0	15,828.0	27,735.0	14,838.4	17,813.0	16,508.1	34,241.2	48,929.1
Provision for Diminution in Value of Investment Securities	-35.2	-35.4	-430.3	-423.7	-423.7	-433.0	-238.9	-252.5	-141.2
Capital Contribution and Other Long-term Investments	430.6	420.8	410.6	419.9	443.2	438.2	432.0	432.7	422.0
Investments in Associates and Joint Ventures	359.1	346.4	339.3	348.7	372.0	363.9	357.7	358.4	350.7
Other Long-term Investments	158.3	158.3	158.3	158.3	158.3	158.3	158.3	158.3	158.3
Provision for Diminution in Value of Long-term Investments	-86.8	-83.8	-87.0	-87.0	-87.0	-84.0	-84.0	-84.0	-87.0
Fixed Assets	5,515.6	5,538.9	5,363.6	5,350.8	5,321.9	5,328.0	5,254.7	5,254.3	5,244.1
Tangible Fixed Assets	813.9	828.6	817.7	830.5	825.4	826.9	756.7	750.0	751.3
Tangible Fixed Assets Cost	1,620.7	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-806.9	—	—	—	—	—	—	—	—
Intangible Fixed Assets	4,701.7	4,710.4	4,545.9	4,520.3	4,496.5	4,501.1	4,496.4	4,502.4	4,490.6
Intangible Fixed Assets Cost	5,125.8	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-424.1	—	—	—	—	—	—	—	—
Other Assets	88,139.6	79,810.2	69,109.4	51,135.0	36,593.8	46,878.2	34,548.7	38,188.3	38,403.2
Accounts Receivables	68,254.9	65,338.6	45,803.9	33,996.0	16,383.1	33,485.0	13,342.7	15,637.7	16,959.9
Interest and Fee Receivables	17,661.1	13,008.5	21,291.3	15,685.7	18,662.0	12,126.1	19,763.1	19,892.2	19,555.3
Deferred Income Tax Assets	—	14.6	14.6	—	—	—	—	—	—
Other Assets (Miscellaneous)	2,271.8	1,503.8	2,056.0	1,510.0	1,640.8	1,385.9	1,585.4	2,750.9	1,975.1
Provision for Risks in Other Assets	-48.2	-55.3	-56.3	-56.6	-92.1	-118.8	-142.3	-92.4	-87.2
Total Assets	930,982.5	892,570.6	852,622.5	825,492.7	790,742.3	747,243.8	688,387.0	659,767.0	621,144.1
Due to Government and Borrowings from the State Bank of Vietnam	13,992.8	16,553.6	2,356.0	1,206.8	1,227.1	1,242.9	1,260.6	1,278.9	1,308.8
Placements and Borrowings from Other Credit Institutions	157,667.3	149,419.5	139,939.4	121,148.4	137,035.2	134,090.5	107,670.2	91,909.3	68,598.9
Placements from Other Credit Institutions	139,001.7	137,703.2	132,397.3	115,226.9	128,848.1	123,725.6	97,668.3	81,093.4	65,143.6
Borrowings from Other Credit Institutions	18,665.7	11,716.3	7,542.1	5,921.5	8,187.2	10,364.9	10,001.9	10,815.9	3,455.3
Deposits from Customers	600,194.8	572,150.3	564,829.0	561,718.3	530,116.3	499,897.4	471,799.3	459,296.1	444,297.1
Derivatives and Other Financial Liabilities	164.7	—	165.4	86.7	52.4	61.9	—	240.1	171.2
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	16,792.7	15,804.5	8,037.1	7,978.5	5,264.2	1,429.7	1,497.0	1,540.7	1,575.2
Valuable Papers Issued	53,117.0	53,096.6	54,797.7	54,598.3	41,598.8	39,248.2	36,548.2	35,832.6	35,944.1
Other Liabilities	17,330.0	17,550.4	16,736.6	15,641.5	13,975.2	13,423.8	13,860.7	13,858.4	16,067.8
Interest and Fee Payables	14,969.6	13,862.7	13,907.3	12,858.7	11,562.2	10,602.2	10,891.1	10,932.0	13,053.8
Other Liabilities (Miscellaneous)	2,360.5	3,687.8	2,829.3	2,782.8	2,413.0	2,821.6	2,969.5	2,926.4	3,014.0
Total Liabilities	859,259.3	824,574.9	786,861.3	762,378.5	729,269.2	689,394.3	632,636.0	603,956.3	567,963.1
Capital and Reserves	71,723.2	67,995.7	65,761.3	63,114.2	61,473.1	57,849.5	55,751.1	55,810.8	53,181.0
Capital	47,386.3	47,386.3	47,386.3	42,101.8	42,101.8	38,073.4	38,073.4	38,073.4	37,638.3
Charter Capital	45,942.0	45,942.0	45,942.0	40,657.5	40,657.5	36,629.1	36,629.1	36,629.1	36,194.0
Share Premium	1,449.6	1,449.6	1,449.6	1,449.6	1,449.6	1,449.6	1,449.6	1,449.6	1,449.6
Reserves	9,531.9	7,178.1	7,180.5	7,182.4	7,158.4	5,359.6	5,357.6	5,350.9	5,132.4
Foreign Exchange Differences	-449.8	-446.3	-429.7	-460.5	-508.9	-530.9	-614.6	-702.9	-679.1
Undistributed Earnings after Tax/Accumulated Loss	15,254.8	13,877.6	11,624.1	14,290.4	12,721.8	14,947.4	12,934.7	13,089.3	11,089.4
Total Liabilities and Equity	930,982.5	892,570.6	852,622.5	825,492.7	790,742.3	747,243.8	688,387.0	659,767.0	621,144.1

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	12,429.9	18,885.6	9,304.3	20,933.1	7,339.7	23,019.2	10,566.6	10,746.7	7,816.5
Payments for Interest and Similar Expenses	-10,479.6	-10,435.1	-8,534.0	-7,563.6	-7,353.5	-7,791.9	-7,105.8	-8,938.0	-8,854.1
Receipts from Fee and Commission Income	1,288.7	1,294.1	875.4	743.2	417.6	1,168.8	-145.1	547.0	-221.7
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	68.0	117.8	79.4	120.0	57.3	41.6	35.5	21.4	42.0
Receipts from Other Income	25.7	62.8	8.2	293.2	1.4	159.1	336.4	36.7	144.2
Receipts from Collection of Written-off Debts	574.0	4,137.8	135.7	102.0	70.4	322.3	52.2	91.4	12.2
Payments for Staff Costs and Operating Expenses	-1,276.0	-1,948.5	-1,626.2	-1,665.9	-1,039.8	-2,195.3	-1,082.3	-1,218.0	-1,095.6
Corporate Income Tax Paid	-2,254.4	-30.7	-409.8	-348.8	-1,520.2	-109.5	-299.8	-1,080.4	-368.9
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	376.3	12,083.8	-167.0	12,613.2	-2,027.1	14,614.3	2,357.7	206.9	-2,525.4
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	1,594.8	2,409.2	1,817.5	9,424.5	-210.4	-1,277.1	-1,905.6	-693.4	-12,213.6
(Increase)/Decrease in Trading Securities and Investment Securities	-2,745.1	3,760.4	12,968.7	-15,827.3	8,481.8	-1,805.2	17,308.3	15,845.2	-29,007.3
(Increase)/Decrease in Derivatives and Other Financial Assets	140.6	-140.6	—	—	—	—	-21.5	—	—
(Increase)/Decrease in Loans and Advances to Customers	-13,295.2	-4,402.2	-13,288.4	-26,616.0	-47,998.2	-38,966.1	-19,728.2	-23,589.2	797.6
(Decrease)/Increase in Provisions for Damages	-522.5	-1,589.0	-494.5	-3,866.2	-23.9	-4,949.8	-331.3	-481.8	-891.5
(Increase)/Decrease in Other Operating Assets	-3,452.6	-21,486.9	-12,510.7	-17,626.9	17,061.9	-20,149.5	3,624.8	302.7	3,449.9
Increase/(Decrease) in Due to Government and Borrowings from State Bank	-2,560.8	14,197.5	1,149.3	-20.3	-15.8	-17.7	-18.4	-29.9	-24.9
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	8,967.2	8,760.7	18,791.2	-15,887.0	2,944.3	26,420.8	15,761.4	23,309.9	-2,167.4
Increase/(Decrease) in Deposits from Customers	28,045.3	7,320.6	3,110.7	31,602.0	30,219.7	28,097.3	12,503.7	14,998.6	-3,206.4
Increase/(Decrease) in Valuable Papers Issued	20.3	-6,731.1	199.4	9,999.5	2,350.6	2,700.0	715.6	-111.5	-6,877.6
Increase/(Decrease) in Funds Received from Government and Institutions	988.1	7,767.4	58.6	2,714.3	3,834.6	-67.3	-43.7	-34.6	-36.0
Increase/(Decrease) in Derivatives and Other Financial Liabilities	164.7	-165.4	78.7	34.4	-9.6	61.9	-240.1	68.9	74.0
Increase/(Decrease) in Other Operating Liabilities	-163.3	555.0	-443.5	67.4	127.3	1,437.5	-1,999.0	469.4	212.1
Payments from Reserves	-15.4	-3.9	0.0	-34.7	—	—	—	—	—
Net Cash Flows from Operating Activities	17,542.5	22,335.6	11,270.0	-13,423.1	14,735.3	6,120.6	27,983.7	30,261.3	-52,416.4
Purchase of Fixed Assets	-14.1	-220.0	-45.1	-59.8	-22.2	-106.8	-29.2	-277.3	202.6
Receipts from Disposal of Fixed Assets	0.2	0.5	0.1	0.4	0.3	1.1	0.8	0.6	0.0
Payments for Disposal of Fixed Assets	—	-1.0	-0.3	-0.5	-0.1	-0.6	-0.3	-0.0	-0.2
Payments for Investment in Other Entities	—	-33.4	—	—	—	—	—	—	—
Dividends and Profit Received	—	35.1	-1.7	—	1.9	14.8	7.1	7.6	—
Net Cash Flows from Investing Activities	-13.9	-218.8	-45.1	-61.9	-20.0	-91.6	-21.7	-269.1	202.4
Receipts from Equity Issue and Owner Capital Contribution	—	—	35.7	—	—	0.0	0.0	435.1	—
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	—	5,030.0	0.0	3,000.0	—	—	—	—	—
Dividends Paid and Profits Distributed to Owners	-0.4	-1.6	-7.5	-2,002.7	-0.1	-1,711.5	-34.7	-0.0	-0.3
Net Cash Flows from Financing Activities	-0.4	4,992.7	28.2	997.3	-0.1	-1,711.5	-34.7	435.1	-0.3
Net Cash Flows during the Period	17,528.2	27,109.6	11,253.1	-12,487.8	14,715.3	4,317.5	27,927.3	30,427.3	-52,214.3
Cash and Cash Equivalents at Beginning of the Period	161,907.7	134,798.1	123,545.0	136,032.8	121,317.5	117,000.0	89,072.7	58,645.4	110,859.8
Cash and Cash Equivalents at End of the Period	179,435.9	161,907.7	134,798.1	123,545.0	136,032.8	121,317.5	117,000.0	89,072.7	58,645.4

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