HNX:NVB Income Statement

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

Millions VND. 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	Jan '23 Jan 1, 2023	Jan '22 Jan 1, 2022
Interest Income on Loans	8,777,359	2,928,691	6,433,619	4,763,294	5,542,515
Interest Paid on Deposits	6,405,963	4,710,884	5,976,390	3,831,517	4,283,296
Net Interest Income	2,371,396	-1,782,193	457,229	931,777	1,259,219
Net Interest Income Growth (YoY)	-	-	-50.93%	-26.00%	-12.17%
Income From Trading Activities	36,736	131,422	160,484	166,748	356,714
Other Non-Interest Income	339,601	178,273	101,439	238,469	86,174
Total Non-Interest Income	376,337	309,695	261,923	405,217	442,888
Non-Interest Income Growth (YoY)	21.52%	18.24%	-35.36%	-8.51%	100.24%
Revenues Before Loan Losses	2,747,733	-1,472,498	719,152	1,336,994	1,702,107
Provision for Loan Losses	702,387	263,544	146,950	268,075	243,057
Revenue	2,045,346	-1,736,042	572,202	1,068,919	1,459,050
Revenue Growth (YoY)	-	-	-46.47%	-26.74%	-9.18%
Salaries and Employee Benefits	-	955,516	652,446	594,180	508,490
Occupancy Expenses	-	330,871	236,877	195,555	195,971
Federal Deposit Insurance	-	118,060	95,846	85,029	92,197
Selling, General & Administrative	-	256,489	227,699	151,668	152,620
Other Non-Interest Expense	2,043,777	1,731,112	25,853	1,249	1,315
Total Non-Interest Expense	2,043,777	3,392,048	1,238,721	1,027,681	950,593
EBT Excluding Unusual Items	1,569	-5,128,090	-666,519	41,238	508,457
Pretax Income	1,569	-5,128,090	-666,519	1,238	2,310
Income Tax Expense	1,491	848	3,037	1,230	910
Net Income	78	-5,128,938	-669,556	8	1,400
Net Income to Common	78	-5,128,938	-669,556	8	1,400
Net Income Growth	-	-	-	-99.43%	15.51%
Basic Shares Outstanding	1,175	611	557	445	407
Diluted Shares Outstanding	1,175	611	557	445	407
Shares Change (YoY)	92.25%	9.70%	25.17%	9.34%	-
EPS (Basic)	0.07	-8394.33	-1202.08	0.02	3.44
EPS (Diluted)	0.07	-8394.33	-1202.08	0.02	3.44
EPS Growth	-	-	-	-99.48%	15.61%
Effective Tax Rate	95.03%	-	-	99.35%	39.39%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.