Sunday, July 26, 2026 1:18:57 AM - Markets open
VN-INDEX 1,686.11 -13.27/-0.78%
HNX-INDEX 272.99 -8.08/-2.87%
UPCOM-INDEX 125.89 +0.36/+0.29%
VietCredit Finance Joint Stock Company (TIN : UPCOM)
Financials : Banks
112.80 +9.70/+9.41%
3:10:03 PM
Unit: VND Quarterly | Annual
    Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026
ASSETS
 		       
I. Cash and precious metals
        
II. Balances with the State Bank of Vietnam
302386529607734
III. TreasuryBill
        
IV. Placements with and loans to other credit institutions
2,664,1301,386,1382,630,0772,289,5473,192,222
1. Cash and gold deposits at other credit institutions
2,664,1301,386,1382,630,0772,289,5473,192,222
2. Loans to other credit istitutions
        
3. Provision for losses on loans to other credit institutions
        
V. Trading securities
50,389393,026  1,307,842
1. Trading securities
50,389393,026  1,307,842
2. Provision for diminution in value of trading securities
        
VI. Derivatives and other financial assets
        
VII. Loans and advances to customers
6,274,5288,934,63314,212,35416,264,37017,396,589
1. Loans and advances to customers
6,497,1429,326,73314,865,30117,090,64518,221,233
2. Provision for losses on loans and advances to customers
-222,614-392,100-652,947-826,275-824,644
VIII. Investment securities
124,632390,655286,459336,308696,278
1. Available - for - sales securities
 266,023286,459336,308696,278
2. Held - to - maturity securities
169,200169,200   
3. Provision for diminution in value of investment securities
-44,568-44,568   
IX. Investment in other entities and long-term investments
5,0764,7194,0713,8794,124
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
-9,433-9,790-10,438-10,630-10,385
X. Fixed assets
15,55312,82713,72011,76310,225
1. Tangible fixed assets
8,2057,5637,0296,1425,511
- Cost
38,74238,81035,53734,83534,645
- Accumulated depreciation
-30,537-31,247-28,508-28,693-29,135
2. Leased assets
        
- Cost
        
- Accumulated depreciation
        
3. Intangible fixed assets
7,3485,2636,6915,6214,714
- Cost
80,86880,86883,16883,16883,168
- Accumulated depreciation
-73,520-75,604-76,476-77,547-78,454
4. Construction in progress expense
        
XI. Investment properties
        
- Cost
        
- Accumulated amortization
        
XII. Other assets
400,971495,156494,483589,938607,567
1. Receivables
77,979137,127146,079181,741164,671
2. Interests and fee receivables
162,689225,011316,452377,253413,415
3. Deferred income tax assets
        
4. Other assets
175,722148,43833,97433,68132,219
- In which: Good will
        
5. Provision for losses on other assets
-15,420-15,420-2,022-2,738-2,738
TOTAL ASSETS
9,535,57911,617,54017,641,69419,496,41123,215,581
LIABILITIES AND SHAREHOLDERS' EQUITY
   19,496,411 
I. Due to Government and borrowings from the State Bank of Vietnam
        
II. Deposits and borrowings from other credit institutions
3,166,0002,530,0006,298,3205,050,0004,760,000
1. Deposits form other credit institutions
2,689,5001,840,0002,770,0002,410,0002,290,000
2. Borrowings form other credit institutions
476,500690,0003,528,3202,640,0002,470,000
III. Depostis from customers
2,128,2242,840,4292,452,9332,061,9702,256,384
IV. Derivatives and other debts
        
V. Funds received from Government, international and other institutions
        
VI. Certificate of deposits
2,579,8004,090,0006,032,6008,953,60012,160,600
VII. Other liabilities
450,593576,788859,018970,4721,206,748
1. Intersest and fee payables
114,602148,535217,193347,384514,592
2. Deferred income tax payables
        
3. Other payables
335,991428,252641,824623,087692,156
4. Other Provisions
        
VIII. Shareholders' equity
1,210,9621,580,3231,998,8232,460,3702,831,849
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
56,00456,00456,00456,004251,956
3. Foreign exchange differences
        
4. Asset revaluation differences
        
5. Retained earning
243,466612,8271,031,3271,492,8741,668,401
6. Other funds and expenses
        
IX. Benefits of minority shareholader
        
TOTAL RESOURCES
9,535,57911,617,54017,641,69419,496,41123,215,581
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