Investor Presentaiton
Historical Income statement
(Figures in VND bn)
FY ended 31 Dec
Interest income
2017
2018
2019
2020
2021
2022Q1
46,159
55,864
67,724
69,205
70,749
19,338
Interest expenses
(24,221)
(27,455)
(33,147)
(32,920)
(28,362)
(7,362)
Net interest income
21,938
28,409
34,577
36,285
42,387
11,976
Service fee income
5,378
7,022
9,003
10,588
11,287
3,713
Service charges
(2,840)
(3,620)
(4,696)
(3,981)
(3,879)
(1,003)
Net fee income
2,538
3,402
4,307
6,607
7,407
2,711
Foreign exchange gain, net
2,042
2,266
3,378
3,906
4,375
1,522
Net gain on securities
457
250
153
2
19
16
Investment income (loss)
332
1,716
245
461
130
24
Other non-interest income
2,100
3,234
3,070
1,800
2,393
484
Non-interest income
7,469
10,870
11,153
12,777
14,324
4,758
Operating income
29,406
39,278
45,730
49,063
56,711
16,733
Operating expenses
(11,866)
(13,611)
(15,818)
(16,038)
(17,575)
(4,509)
Operating profit (pre-provision)
17,540
25,667
29,913
33,204
39,136
12,224
Provisions (net of reversals)
(6,198)
(7,398)
(6,790)
(9,975)
(11,761)
(2,274)
Profit before taxes
11,341
18,269
23,122
23,050
27,376
9,950
Income tax expense
(2,231)
(3,647)
(4,596)
(4,577)
(5,447)
(1,983)
Minority interest
(20)
(16)
(15)
(21)
(20)
(5)
Net profit/loss
9,091
14,606
18,511
18,452
21,908
7,962
Vietcombank
Together for the future
Source: VCB Consolidated Financial Statement.
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