HNX:NVB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	9,877,735	8,777,352	2,928,691	6,433,619	4,763,294	5,542,515
Interest Paid on Deposits	7,219,159	6,405,963	4,710,884	5,976,390	3,831,517	4,283,296
Net Interest Income	2,658,576	2,371,389	-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	18,905	36,736	131,422	160,484	166,748	356,714
Other Non-Interest Income	444,926	339,601	178,273	101,439	238,469	86,174
Total Non-Interest Income	463,831	376,337	309,695	261,923	405,217	442,888
Non-Interest Income Growth (YoY)	48.74%	21.52%	18.24%	-35.36%	-8.51%	100.24%
Revenues Before Loan Losses	3,122,407	2,747,726	-1,472,498	719,152	1,336,994	1,702,107
Provision for Loan Losses	935,025	702,380	263,544	146,950	268,075	243,057
Revenue	2,187,382	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	1,124,219	1,089,359	955,516	652,446	594,180	508,490
Occupancy Expenses	398,533	364,404	330,871	236,877	195,555	195,971
Federal Deposit Insurance	155,440	147,404	118,060	95,846	85,029	92,197
Selling, General & Administrative	350,983	350,076	256,489	227,699	151,668	152,620
Other Non-Interest Expense	91,670	92,534	1,731,112	25,853	1,249	1,315
Total Non-Interest Expense	2,120,845	2,043,777	3,392,048	1,238,721	1,027,681	950,593
EBT Excluding Unusual Items	66,537	1,569	-5,128,090	-666,519	41,238	508,457
Pretax Income	66,537	1,569	-5,128,090	-666,519	1,238	2,310
Income Tax Expense	1,181	1,491	848	3,037	1,230	910
Net Income	65,356	78	-5,128,938	-669,556	8	1,400
Net Income to Common	65,356	78	-5,128,938	-669,556	8	1,400
Net Income Growth	-	-	-	-	-99.43%	15.51%
Basic Shares Outstanding	1,925	1,319	611	557	445	407
Diluted Shares Outstanding	1,925	1,319	611	557	445	407
Shares Change (YoY)	63.85%	115.88%	9.70%	25.17%	9.34%	-
EPS (Basic)	33.96	0.06	-8394.33	-1202.08	0.02	3.44
EPS (Diluted)	33.96	0.06	-8394.33	-1202.08	0.02	3.44
EPS Growth	-	-	-	-	-99.48%	15.61%
Effective Tax Rate	1.77%	95.03%	-	-	99.35%	39.39%

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