FRA:NVAK Income Statement

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

Millions THB. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	5,004	5,191	5,338	4,563	4,027	4,213
Interest Income on Investments	503.32	308.65	218.26	140.28	145.38	308.22
Total Interest Income	5,508	5,500	5,557	4,703	4,172	4,521
Interest Paid on Deposits	2,010	2,095	1,964	1,559	1,355	1,620
Net Interest Income	3,497	3,405	3,592	3,145	2,817	2,901
Net Interest Income Growth (YoY)	7.63%	-5.22%	14.24%	11.64%	-2.91%	-0.68%
Gain (Loss) on Sale of Investments	69.38	35.94	-60.87	-21.13	-3.03	3,757
Gain (Loss) on Sale of Equity Investments	5,666	5,565	4,663	3,233	1,986	2,154
Other Non-Interest Income	3,874	3,392	4,036	4,496	5,535	3,872
Total Non-Interest Income	9,586	8,828	8,736	7,824	8,368	10,009
Non-Interest Income Growth (YoY)	32.77%	1.05%	11.67%	-6.50%	-16.40%	119.36%
Revenues Before Loan Losses	13,083	12,233	12,329	10,968	11,184	12,910
Provision for Loan Losses	1,173	1,316	1,016	493.03	482.87	606.1
Revenue	11,911	10,917	11,312	10,475	10,701	12,304
Revenue Growth (YoY)	27.51%	-3.50%	7.99%	-2.11%	-13.03%	57.74%
Salaries and Employee Benefits	2,087	2,077	2,058	2,028	2,052	1,887
Occupancy Expenses	289.8	283.53	280.64	275.82	272.85	244.77
Selling, General & Administrative	94.51	91.48	89.51	87.97	87.35	82.71
Other Non-Interest Expense	1,019	1,006	982.21	884.28	730.95	684.79
Total Non-Interest Expense	3,490	3,458	3,410	3,276	3,143	2,899
EBT Excluding Unusual Items	8,421	7,459	7,902	7,200	7,558	9,405
Pretax Income	8,421	7,459	7,902	7,200	7,558	9,405
Income Tax Expense	613.93	431.63	695.4	772.06	836.22	1,557
Earnings From Continuing Operations	7,807	7,027	7,207	6,428	6,722	7,848
Earnings From Discontinued Operations	-72.84	-	-	-	-	-
Minority Interest in Earnings	-449.93	-381.12	-603.56	-1,208	-1,435	-1,179
Net Income	7,284	6,646	6,603	5,220	5,287	6,669
Net Income to Common	7,284	6,646	6,603	5,220	5,287	6,669
Net Income Growth	9.51%	0.65%	26.50%	-1.27%	-20.72%	-38.29%
Basic Shares Outstanding	1,049	1,049	1,049	1,049	1,049	1,066
Diluted Shares Outstanding	1,049	1,049	1,049	1,049	1,049	1,066
Shares Change (YoY)	-	-	-	-	-1.59%	-7.00%
EPS (Basic)	6.95	6.34	6.30	4.98	5.04	6.26
EPS (Diluted)	6.95	6.34	6.30	4.98	5.04	6.26
EPS Growth	9.51%	0.65%	26.50%	-1.23%	-19.48%	-33.65%
Dividend Per Share	3.350	3.300	3.200	3.100	3.000	3.000
Dividend Growth	3.08%	3.13%	3.23%	3.33%	-	-
Effective Tax Rate	7.29%	5.79%	8.80%	10.72%	11.06%	16.55%

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