FRA:NVPB 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	147,807	165,105	152,369	113,475	104,832
Interest Income on Investments	954.52	384.37	319.47	351.74	379.05
Total Interest Income	148,762	165,490	152,688	113,827	105,211
Interest Paid on Deposits	42,027	45,990	38,949	23,070	21,460
Net Interest Income	106,735	119,499	113,739	90,756	83,751
Net Interest Income Growth (YoY)	-10.68%	5.07%	25.32%	8.37%	-5.60%
Gain (Loss) on Sale of Investments	5,579	890.91	195.11	238.79	710.84
Gain (Loss) on Sale of Equity Investments	4,444	3,798	1,353	1,095	1,046
Other Non-Interest Income	43,869	37,212	34,178	33,301	30,278
Total Non-Interest Income	53,893	41,901	35,726	34,634	32,035
Non-Interest Income Growth (YoY)	28.62%	17.28%	3.15%	8.12%	-4.46%
Revenues Before Loan Losses	160,628	161,400	149,465	125,391	115,786
Provision for Loan Losses	30,760	31,070	37,085	24,338	32,524
Revenue	129,867	130,331	112,380	101,053	83,262
Revenue Growth (YoY)	-0.36%	15.97%	11.21%	21.37%	7.65%
Salaries and Employee Benefits	26,922	27,061	25,766	25,763	27,311
Occupancy Expenses	9,688	10,881	10,289	9,644	9,017
Selling, General & Administrative	389.11	313.05	367.17	377.22	323.7
Other Non-Interest Expense	23,982	24,778	21,186	17,673	13,995
Total Non-Interest Expense	64,766	68,778	62,157	54,771	52,731
EBT Excluding Unusual Items	65,101	61,553	50,223	46,283	30,531
Pretax Income	65,101	61,553	50,223	46,283	30,531
Income Tax Expense	12,880	11,576	9,902	9,077	5,975
Earnings From Continuing Operations	52,221	49,977	40,321	37,206	24,556
Minority Interest in Earnings	-3,992	-3,823	-3,705	-3,508	-2,968
Net Income	48,229	46,153	36,616	33,698	21,588
Preferred Dividends & Other Adjustments	-	-	3.91	2.74	2.29
Net Income to Common	48,229	46,153	36,612	33,695	21,586
Net Income Growth	4.50%	26.05%	8.66%	56.09%	29.03%
Basic Shares Outstanding	13,979	13,986	13,976	13,976	13,976
Diluted Shares Outstanding	13,979	13,986	13,976	13,976	13,976
Shares Change (YoY)	-0.05%	0.07%	-	-	-
EPS (Basic)	3.45	3.30	2.62	2.41	1.54
EPS (Diluted)	3.45	3.30	2.62	2.41	1.54
EPS Growth	4.54%	25.97%	8.66%	56.10%	29.04%
Dividend Per Share	-	1.545	0.868	0.682	0.418
Dividend Growth	-	78.00%	27.27%	63.16%	52.00%
Effective Tax Rate	19.79%	18.81%	19.72%	19.61%	19.57%

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