Monday, January 26, 2026 7:59:05 AM - Markets open
VN-INDEX 1,870.79 -11.94/-0.63%
HNX-INDEX 252.96 -5.47/-2.12%
UPCOM-INDEX 127.07 -0.10/-0.08%
VietCredit Finance Joint Stock Company (TIN : UPCOM)
Financials : Banks
67.00 +7.70/+12.98%
3:00:05 PM
Unit: VND Quarterly | Annual
    Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025
ASSETS
 		       
I. Cash and precious metals
        
II. Balances with the State Bank of Vietnam
201233302386529
III. TreasuryBill
        
IV. Placements with and loans to other credit institutions
1,463,0551,877,5502,664,1301,386,1382,630,077
1. Cash and gold deposits at other credit institutions
1,463,0551,877,5502,664,1301,386,1382,630,077
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
6,020,8264,489,1636,274,5288,934,63314,212,354
1. Loans and advances to customers
6,299,6564,716,5076,497,1429,326,73314,865,301
2. Provision for losses on loans and advances to customers
-278,831-227,344-222,614-392,100-652,947
VIII. Investment securities
214,632214,632124,632390,655286,459
1. Available - for - sales securities
90,00090,000 266,023286,459
2. Held - to - maturity securities
169,200169,200169,200169,200 
3. Provision for diminution in value of investment securities
-44,568-44,568-44,568-44,568 
IX. Investment in other entities and long-term investments
5,9765,4485,0764,7194,071
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
-8,534-9,061-9,433-9,790-10,438
X. Fixed assets
23,45019,17415,55312,82713,720
1. Tangible fixed assets
9,6368,9118,2057,5637,029
- Cost
38,74238,74238,74238,81035,537
- Accumulated depreciation
-29,106-29,832-30,537-31,247-28,508
2. Leased assets
        
- Cost
        
- Accumulated depreciation
        
3. Intangible fixed assets
13,81410,2637,3485,2636,691
- Cost
80,86880,86880,86880,86883,168
- Accumulated depreciation
-67,054-70,605-73,520-75,604-76,476
4. Construction in progress expense
        
XI. Investment properties
        
- Cost
        
- Accumulated amortization
        
XII. Other assets
434,964412,494400,971495,156494,483
1. Receivables
79,65057,79077,979137,127146,079
2. Interests and fee receivables
86,617121,211162,689225,011316,452
3. Deferred income tax assets
        
4. Other assets
284,206248,860175,722148,43833,974
- In which: Good will
        
5. Provision for losses on other assets
-15,509-15,367-15,420-15,420-2,022
TOTAL ASSETS
8,163,1047,018,6949,535,57911,617,54017,641,694
LIABILITIES AND SHAREHOLDERS' EQUITY
 		       
I. Due to Government and borrowings from the State Bank of Vietnam
        
II. Deposits and borrowings from other credit institutions
3,805,0001,876,0003,166,0002,530,0006,298,320
1. Deposits form other credit institutions
3,042,0001,600,0002,689,5001,840,0002,770,000
2. Borrowings form other credit institutions
763,000276,000476,500690,0003,528,320
III. Depostis from customers
910,7531,609,9422,128,2242,840,4292,452,933
IV. Derivatives and other debts
        
V. Funds received from Government, international and other institutions
        
VI. Certificate of deposits
2,301,1002,228,9002,579,8004,090,0006,032,600
VII. Other liabilities
216,418301,839450,593576,788859,018
1. Intersest and fee payables
124,719119,207114,602148,535217,193
2. Deferred income tax payables
        
3. Other payables
91,700182,632335,991428,252641,824
4. Other Provisions
        
VIII. Shareholders' equity
929,8331,002,0131,210,9621,580,3231,998,823
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
-37,66234,517243,466612,8271,031,327
6. Other funds and expenses
        
IX. Benefits of minority shareholader
        
TOTAL RESOURCES
8,163,1047,018,6949,535,57911,617,54017,641,694
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