Of which, most of the expenses come from the advance payment for purchasing headquarters of BVBank branches in provinces and cities.

Specifically, the advance payment for the purchase of the Nha Trang City branch office, Khanh Hoa is 152 billion VND. This is an expense incurred in 2024 and will not be recorded in the financial statements of 2023.

The advance payment for purchasing the branch office in Tan Binh district, Ho Chi Minh City is VND 59,253 billion, while at the end of 2023, this advance payment was recorded at VND 55,216 billion.

Advance payment for Quy Nhon branch office is 25,071 billion VND; advance payment for Can Tho branch office is 29,450 billion VND, and advance payment for Tien Giang branch office is 36,589 billion VND. These advances remain unchanged compared to the 2023 financial report.

BVBank's Q3/2024 financial report no longer records the VND 80 billion advance payment for the purchase of a branch office in Vung Tau city, Ba Ria - Vung Tau province as in the report published in 2023.

In the third quarter of 2024, BVBank's total assets reached nearly VND99,500 billion, an increase of 18% over the same period in 2023. The bank's total capital mobilization as of September 30 reached more than VND92 trillion, an increase of nearly 21% over the third quarter of 2023, of which capital mobilization from economic organizations and residents reached VND67 trillion.

Credit activities in the third quarter of 2024 recorded a total outstanding debt of more than VND 79 trillion, an increase of 23% over the same period last year and an increase of 15% compared to the beginning of the year, of which outstanding loans reached more than VND 64 trillion, an increase of 11% compared to the beginning of the year.

In the first 9 months of 2024, BVBank's total revenue reached nearly VND 1,700 billion, up 35% over the same period. Of which, net interest income reached more than VND 1,500 billion, up 47%.

At the end of the third quarter of 2024, the bank's pre-tax profit reached 182 billion VND, completing 90% of the yearly plan.