The bank's profit from services in Q4 2011 decreased 39 percent from Q4 2010, however, for the whole year, its profit from services still reached over 935 billion dong, rising slightly on year.

STB gained over 120 billion dong profit from forex trading activities in 2011, of which, its loss from securities investments was over 233 billion dong.

In 2011, STB spent 376 billion dong on its standby fund, rising nearly 55 percent from 2010 and pre tax profit was 592 billion dong in Q4, up 19 percent on year and the pre tax profit for the whole year was 2.74 trillion dong, rising 13 percent on year.

The lender's after tax profit in Q4 was 440 billion dong, up 49.5 percent and the accumulated after tax profit in 2011 was 2.033 trillion dong, a year-on-year rise of 13 percent.

STB's total outstanding loans by the end of 2011 were 78.449 trillion dong, credit growth was only 1.4 percent, the bad debts ratio was 0.56 percent, of which, irrecoverable debts were 158 billion dong, down 50 percent from the end of 2010.

The total deposits as of the end of 2011 reached 74.8 trillion dong, down over four trillion dong from early 2011, of which, it was mainly term savings in gold and foreign currency.

In 2011, STB also partly offloaded its holding in Sacombank Securities Joint Stock Co (SBS) to hold only over 10 percent stake and its investment in SBS will be converted into long term investment.