Sunday, November 9, 2025 1:18:35 AM - Markets open
VN-INDEX 1,599.10 -43.54/-2.65%
HNX-INDEX 260.11 -6.04/-2.27%
UPCOM-INDEX 116.75 +0.53/+0.46%
VietCredit Finance Joint Stock Company (TIN : UPCOM)
Financials : Banks
54.00 0.00/0.00%
3:00:06 PM
Unit: VND Quarterly | Annual
    Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025
ASSETS
 		       
I. Cash and precious metals
        
II. Balances with the State Bank of Vietnam
155201233302386
III. TreasuryBill
        
IV. Placements with and loans to other credit institutions
1,071,4711,463,0551,877,5502,664,1301,386,138
1. Cash and gold deposits at other credit institutions
1,071,4711,463,0551,877,5502,664,1301,386,138
2. Loans to other credit istitutions
        
3. Provision for losses on loans to other credit institutions
        
V. Trading securities
   50,389393,026
1. Trading securities
   50,389393,026
2. Provision for diminution in value of trading securities
        
VI. Derivatives and other financial assets
        
VII. Loans and advances to customers
2,638,0026,020,8264,489,1636,274,5288,934,633
1. Loans and advances to customers
2,936,6036,299,6564,716,5076,497,1429,326,733
2. Provision for losses on loans and advances to customers
-298,601-278,831-227,344-222,614-392,100
VIII. Investment securities
313,807214,632214,632124,632390,655
1. Available - for - sales securities
190,00090,00090,000 266,023
2. Held - to - maturity securities
182,200169,200169,200169,200169,200
3. Provision for diminution in value of investment securities
-58,393-44,568-44,568-44,568-44,568
IX. Investment in other entities and long-term investments
5,8805,9765,4485,0764,719
1. Investment in subsidiaries
        
2. Investment in joint-ventures
        
3. Investment in associate cmpanies
        
4. Other long-term investment
14,50914,50914,50914,50914,509
5. Provision for diminution in value of long-term investment
-8,630-8,534-9,061-9,433-9,790
X. Fixed assets
27,78623,45019,17415,55312,827
1. Tangible fixed assets
10,4219,6368,9118,2057,563
- Cost
38,96638,74238,74238,74238,810
- Accumulated depreciation
-28,546-29,106-29,832-30,537-31,247
2. Leased assets
        
- Cost
        
- Accumulated depreciation
        
3. Intangible fixed assets
17,36513,81410,2637,3485,263
- Cost
80,86880,86880,86880,86880,868
- Accumulated depreciation
-63,503-67,054-70,605-73,520-75,604
4. Construction in progress expense
        
XI. Investment properties
        
- Cost
        
- Accumulated amortization
        
XII. Other assets
432,799434,964412,494400,971495,156
1. Receivables
54,83179,65057,79077,979137,127
2. Interests and fee receivables
56,82986,617121,211162,689225,011
3. Deferred income tax assets
        
4. Other assets
322,316284,206248,860175,722148,438
- In which: Good will
        
5. Provision for losses on other assets
-1,176-15,509-15,367-15,420-15,420
TOTAL ASSETS
4,489,8998,163,1047,018,6949,535,57911,617,540
LIABILITIES AND SHAREHOLDERS' EQUITY
 		       
I. Due to Government and borrowings from the State Bank of Vietnam
        
II. Deposits and borrowings from other credit institutions
1,020,0003,805,0001,876,0003,166,0002,530,000
1. Deposits form other credit institutions
740,0003,042,0001,600,0002,689,5001,840,000
2. Borrowings form other credit institutions
280,000763,000276,000476,500690,000
III. Depostis from customers
469,088910,7531,609,9422,128,2242,840,429
IV. Derivatives and other debts
        
V. Funds received from Government, international and other institutions
        
VI. Certificate of deposits
1,978,8002,301,1002,228,9002,579,8004,090,000
VII. Other liabilities
161,780216,418301,839450,593576,788
1. Intersest and fee payables
107,798124,719119,207114,602148,535
2. Deferred income tax payables
        
3. Other payables
53,98291,700182,632335,991428,252
4. Other Provisions
        
VIII. Shareholders' equity
860,231929,8331,002,0131,210,9621,580,323
1. Capital
911,492911,492911,492911,492911,492
- Paid-up capital
911,783911,783911,783911,783911,783
- Construction capital
        
- Share capital surplus
-292-292-292-292-292
- Treasury stocks
        
- Prefered Stocks
        
- Other equity resources
        
2. Reserves
56,00456,00456,00456,00456,004
3. Foreign exchange differences
        
4. Asset revaluation differences
        
5. Retained earning
-107,265-37,66234,517243,466612,827
6. Other funds and expenses
        
IX. Benefits of minority shareholader
        
TOTAL RESOURCES
4,489,8998,163,1047,018,6949,535,57911,617,540
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