Investor Presentaiton
Historical Income statement
(Figures in USD m)
FY ended 31 Dec
Interest income
2017
2018
2019
2020
2021
2022Q1
2,058
2,408
2,915
3,011
3,106
836
Interest expenses
(1,080)
(1,183)
(1,427)
(1,432)
(1,245)
(318)
Net interest income
978
1,225
1,488
1,579
1,861
518
Service fee income
240
303
388
461
495
160
Service charges
(127)
(156)
(202)
(173)
(170)
(43)
Net fee income
113
147
185
287
325
117
Foreign exchange gain, net
91
98
145
170
192
66
Net gain on securities
20
11
7
0
1
1
Investment income (loss)
15
74
11
20
6
1
Other non-interest income
94
139
132
78
105
21
Non-interest income
333
469
480
556
629
206
Operating income
1,311
1,693
1,969
2,135
2,490
723
Operating expenses
(529)
(587)
(681)
(698)
(771)
(195)
Operating profit (pre-provision)
782
1,106
1,288
1,437
1,718
528
Provisions (net of reversals)
(276)
(319)
(292)
(434)
(516)
(98)
Profit before taxes
506
787
995
1,003
1,202
430
Income tax expense
Minority interest
Net profit/loss
(99)
(157)
(198)
(199)
(239)
(86)
(1)
(1)
(1)
(1)
(1)
(0)
405
630
797
803
962
344
Vietcombank
Together for the future
Source: VCB Consolidated Financial Statement.
Note:
Exchange rate (USD/VND) was taken from the State Bank of Vietnam at the end of period/year
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