FRA:NVAK Income Statement

Financials in millions THB. Fiscal year is January - December.

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	4,480	4,814	5,338	4,563	4,027
Interest Income on Investments	496.54	293.27	218.26	140.28	145.38
Total Interest Income	4,976	5,107	5,557	4,703	4,172
Interest Paid on Deposits	1,858	2,005	1,964	1,559	1,355
Net Interest Income	3,119	3,102	3,592	3,145	2,817
Net Interest Income Growth (YoY)	0.53%	-13.64%	14.24%	11.64%	-2.91%
Gain (Loss) on Sale of Investments	75.69	35.94	-60.87	-21.13	-3.03
Gain (Loss) on Sale of Equity Investments	5,707	5,565	4,663	3,233	1,986
Other Non-Interest Income	2,063	1,475	4,036	4,496	5,535
Total Non-Interest Income	8,017	6,911	8,736	7,824	8,368
Non-Interest Income Growth (YoY)	16.00%	-20.90%	11.67%	-6.50%	-16.40%
Revenues Before Loan Losses	11,135	10,013	12,329	10,968	11,184
Provision for Loan Losses	738.45	1,003	1,016	493.03	482.87
Revenue	10,397	9,010	11,312	10,475	10,701
Revenue Growth (YoY)	15.39%	-20.35%	7.99%	-2.11%	-13.03%
Salaries and Employee Benefits	881.86	836.02	2,058	2,028	2,052
Occupancy Expenses	99.02	86.01	280.64	275.82	272.85
Selling, General & Administrative	88.16	84.27	89.51	87.97	87.35
Other Non-Interest Expense	568.99	560.08	982.21	884.28	730.95
Total Non-Interest Expense	1,638	1,566	3,410	3,276	3,143
EBT Excluding Unusual Items	8,759	7,444	7,902	7,200	7,558
Pretax Income	8,759	7,444	7,902	7,200	7,558
Income Tax Expense	570.13	401.27	695.4	772.06	836.22
Earnings From Continuing Operations	8,189	7,043	7,207	6,428	6,722
Earnings From Discontinued Operations	67.92	-18.84	-	-	-
Minority Interest in Earnings	-506.83	-368.59	-603.56	-1,208	-1,435
Net Income	7,750	6,655	6,603	5,220	5,287
Net Income to Common	7,750	6,655	6,603	5,220	5,287
Net Income Growth	16.45%	0.79%	26.50%	-1.27%	-20.72%
Basic Shares Outstanding	1,049	1,049	1,049	1,049	1,049
Diluted Shares Outstanding	1,049	1,049	1,049	1,049	1,049
Shares Change (YoY)	-	-	-	-	-1.59%
EPS (Basic)	7.39	6.35	6.30	4.98	5.04
EPS (Diluted)	7.39	6.35	6.30	4.98	5.04
EPS Growth	16.45%	0.79%	26.50%	-1.23%	-19.48%
Dividend Per Share	3.500	3.300	3.200	3.100	3.000
Dividend Growth	6.06%	3.13%	3.23%	3.33%	-
Effective Tax Rate	6.51%	5.39%	8.80%	10.72%	11.06%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.