Note

A ASSETS
I Cash and gold on hand 4

II Balances with the State Bank of Vietnam (“SBV”) 5

III Balances with and loans to other credit institutions

6
1 Balances with other credit institutions
2 Loans to other credit institutions
3 Provision for balances ửth and loans to other credit institutions
IV Securities held-for-trading 7
1 Securities held-for-trading
2 Allowance for securities held-for-trading
V Derivatives and other financial assets 8
VI Loans and advances to customers
1 Loans and advances to customers 9
2 Provision for loans to customers 10
VIII Investment securities 11
1 Available-for-sale securities
2 Held-to-maturity securities
3 Provision for investment securities
IX Long-term investments
1 Invesments in subsidiaries 12(a)
2 Invesments in joint-ventures 12(b)
3 Invesment in associates 12(c)
4 Other long-term investments 12(d)
5 Allowance for diminution in the value of long-term investments 12(e)
X Fixed assets 13
1 Tangible fixed assets
a Cost
b Accumulated depreciation
3 Intangible fixed assets 14
a Cost
b Accumulated amortisation
XII Other assets
1 Receivables 15(a)
2 Accrued interest and fee receivables 15(b)
3 Deferred tax assets 15(c)
4 Other assets 15(d)
5 Allowance for other asets 15(d)
TOTAL ASSETS

Note
 Note

B LIABILITIES AND OWNERS’ EQUITY LIABILITIES

Balances with and borowings from the Goverment and the
I 16
State Bank of Vietnam
Balances with and borowings from the Goverment and the State
1
Bank of Vietnam
II Deposits and borrowings from other CIs 17
1 Deposits from other CIs
2 Borrowings from other CIs
III Deposits from customers 18
Derivative financial instruments and other financial
VI 8
liabilitie
Funds for finance, entrusted investments and entrusted
V 19
loans
VI Valuable papers issued 20
VII Other liabilities
1 Accrued interest and fee payables 21(a)
3 Other liabilities 21(b)
TOTAL LIABILITIES

OWNERS’ EQUITY
VIII Capital and reserves
1 Capital
a Charter capital
c Share premium
g Other capital
2 Reserves
5 Retained earnings
a Previous year's retained earnings
b Current year's retianed earnings
TOTAL OWNERS’ EQUITY 22(a)
TOTAL LIABILITIES AND OWNERS’ EQUITY

1 Interest and similar income 23

2 Interest and similar expenses 24
I Net interest and similar income
3 Fee and commission income 25
4 Fee and commission expenses 25
II Net fee and commission income 25
III Net gain from trading of foreign currencies 26
IV Net loss from trading securities 27
V Net gain/loss from investment securities 28
 5 Other income 29
6 Other expenses 29
VI Net other income 29
Income from capital contributions and equity
VII 30
investments
TOTAL OPERATING INCOME
VIII TOTAL OPERATING EXPENSES 31
Net operating profit before allowance
IX
expenses
X Provision for credit losses 32
XI TOTAL PROFIT BEFORE TAX
7 Current corporate income tax expense 33(a)
8 Deferred income tax income/(expenses) 33(b)
XII Corporate income tax expenses
XIII NET PROFIT AFTER TAX

ROA 2022
LNST/TTS 1.63%
LNTT/TTS 2.03%
LNST/TTSbq 1.83%
LNTT/TTSbq 2.28%
ROE
LNST/TVCSH 22.02%
LNTT/TVCSH 27.50%
LNST/TVCSHbq 24.48%
LNTT/TVCSHbq 30.58%
2022
Yếu tố tác động đến ROE (BQ) ROA (BQ)
24.48% 1.83%

NPM - Net Profit Margin

29.67%
Yếu tố tác động đến ROA 1.83%

Yếu tố tác động đến ROA Net interest margin

1.83% 3.27%

NIM 2022
NIM bình quân tài sản có sinh lời 3.43%
NIM tài sản có sinh lời 3.06%
NIM tổng tài sản bình quân 3.27%
NIM Tổng tài sản 2.91%
 31/12/2022 31/12/2021 31/12/2020
VND million VND million VND million

18,310,646 17,930,467 15,059,581

92,451,066 22,310,992 33,009,681

315,838,424 227,601,730 268,938,448

281,713,759 179,461,016 201,896,086
44,964,665 52,093,494 68,042,362
(10,840,000) (3,952,781) (1,000,000)
- 779,371 62,623
- 779,376 62,623
- (20,005) -
156,515 303,202 -
1,111,524,064 926,375,110 813,701,003
1,136,203,902 952,018,701 832,876,112
(24,679,838) (25,642,591) (19,175,109)
196,000,627 170,396,896 156,923,184
10,667,447 71,014,312 42,140,641
95,415,013 99,557,595 115,382,544
(81,833) (175,011) (600,001)
6,563,191 5,703,686 5,511,728
4,595,429 3,560,600 3,442,280
545,515 545,515 545,515
11,110 11,110 11,110
1,529,145 1,661,461 1,587,823
(117,999) (75,000) (75,000)
7,774,421 8,382,739 8,230,592
4,979,561 5,322,921 5,118,663
12,976,162 12,780,609 11,926,789
(7,996,601) (7,457,688) (6,808,126)
2,794,633 3,059,818 3,111,929
4,179,202 4,563,318 4,154,324
(1,924,549) (1,503,500) (1,042,395)
59,588,764 27,359,427 19,365,737
23,355,542 14,164,925 6,171,215
9,082,140 6,954,169 7,081,361
949,616 - 902,392
26,201,466 6,240,333 5,210,814
- - (45)
1,808,207,511 1,407,144,620 1,320,802,577

31/12/2022 31/12/2021 31/12/2020

 VND million VND million VND million

67,314,816 9,468,116 41,176,995

67,314,816 9,468,116 41,176,995

231,430,363 105,578,800 101,597,542
222,964,448 104,878,800 101,597,542
8,465,915 700,000 -
1,244,500,889 1,136,759,508 1,032,263,551
- - 52,031

3,298 7,707 14,679

25,393,775 17,413,979 21,369,849
106,105,392 31,320,792 32,139,734
12,467,149 9,328,950 9,800,017
93,638,243 21,991,842 22,339,717
1,674,748,533 1,300,548,902 1,228,614,381

52,320,967 42,084,575 42,084,575

47,325,166 37,088,774 37,088,774
4,995,389 4,995,389 4,995,389
412 412 412
22,217,256 17,799,503 14,620,338
58,920,755 46,711,460 35,483,283
36,278,497 30,678,442 22,005,205
22,642,258 16,033,198 13,478,078
133,458,978 106,595,718 92,188,196
1,808,207,511 1,407,144,620 1,320,802,577

31/12/2022 31/12/2021 31/12/2020

VND million VND million VND million
87,197,336 69,811,192 68,609,167
(34,643,785) (28,177,488) (32,835,752)
52,553,551 41,633,704 35,773,415
11,864,916 10,516,314 10,194,466
(5,439,525) (3,702,596) (3,873,806)
6,407,391 6,814,718 6,320,660
5,706,910 4,374,657 3,905,896
(164,586) (14,205) (34,812)
81,209 (86,287) -
 2,877,900 3,046,437 2,535,553
(797,863) (698,962) (744,421)
2,080,037 2,347,475 1,791,132
233,381 167,973 449,322
66,951,893 55,238,035 48,205,613
(20,803,391) (17,245,169) (15,747,767)

46,148,502 37,992,866 32,457,846

(9,446,011) (11,448,190) (9,931,677)

36,702,491 26,544,676 22,526,169
(8,265,101) (4,376,167) (4,984,816)
949,616 (902,392) 502,392
(7,315,485) (5,278,559) (4,482,424)
29,387,006 21,266,117 18,043,745

2021
1.51%
1.89%
1.56%
1.95%

19.95%
24.90%
21.40%
26.71%

Equity Multiplier ROE

13.39 24.48%

AU - Asset Utilization EM - Equity Multiplier ROE

0.06 13.39 24.48%

Net noninterest margin Other affecting ROA

0.40% -1.84% 1.82%

2021
3.18%
3.09%
3.05%
2.96%
 TÀI SẢN SINH LỜI
2022 2021 2020
1,715,814,181 1,346,684,728 1,272,572,316

92,451,066 22,310,992 33,009,681

315,838,424 227,601,730 268,938,448

1,111,524,064 926,375,110 813,701,003

196,000,627 170,396,896 156,923,184

 2021
Yếu tố tác động ROE (BQ) ROA (BQ)
21.40% 1.56%

NPM - Net Profit Margin

26.47%
Yếu tố tác động đến ROA 1.56%

Yếu tố tác động đến ROA Net interest margin

3.05%
 Equity Multiplier ROE
13.72 21.40%

AU - Asset Utilization EM - Equity Multiplier ROE

0.06 13.72 21.40%

Net noninterest margin Other affecting ROA

0.50% -1.99% 1.56%
kiem tra lai
 Overdue

Assets Over 3 months

I. Cash and gold on hand -

II. Balances with the SBV -
III. Balances with and credit granting to other credit institutions - gross -
IV. Derivatives and other financial assets -
V. Loans to customers - gross 4,292,574
VI. Investment securities - gross -
VII. Capital contributions, long term investments - gross -
VIII. Fixed assets -
IX. Other assets - gross -
TOTAL ASSETS 4,292,574

Liabilities
I. Amounts due to the Government and the SBV and deposits and
borrowings from other credit institutions -
II. Customer deposits -
III. Funds for finance, entrusted investments and entrusted loans -
IV. Valuable papers issued -
V. Other liabilities -
TOTAL LIABILITIES -

NET LIQUIDITY GAP 4,292,574

Overdue Current

From over 1 From over 3

From over 1 years
Up to 3 months Up to 1 month month to 3 months to 6
to 5 years
months months
- 18,310,646 - - -
- 92,451,066 - - -
- 284,026,298 25,430,230 15,549,411 1,672,485
- - 156,515 - -
14,725,026 95,453,013 243,038,701 350,853,906 161,349,996
- 29,900,005 14,800,365 50,105,134 61,706,732
- - - - -
- - - - -
- 34,957,711 18,778,704 2,794,390 2,109,838
14,725,026 555,098,739 302,204,515 419,302,841 226,839,051

- 282,040,927 11,849,998 3,413,142 692,632

- 298,907,564 183,094,249 425,479,160 105,224,492
- - - 1,473 1,825
- 905 11,000,000 3,000,000 2,788,750
- 28,183,988 66,644,937 8,690,321 1,879,005
- 609,133,384 272,589,184 440,584,096 110,586,704

14,725,026 -54,034,645 29,615,331 -21,281,255 116,252,347

 Total
Over 5 years

- 18,310,646
- 92,451,066
- 326,678,424
- 156,515
266,490,686 1,136,203,902
39,570,224 196,082,460
6,681,190 6,681,190
7,774,214 7,774,214
948,121 59,588,764
321,464,435 1,843,927,181

748,480 298,745,179
231,795,424 1,244,500,889
- 3,298
8,604,120 25,393,775
707,141 106,105,392
241,855,165 1,674,748,533

79,609,270 169,178,648