HNX:NVB Balance Sheet

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
Cash & Equivalents	24,234,377	15,370,574	8,709,416	12,042,685	3,307,045
Investment Securities	21,856,992	19,089,548	13,766,443	12,107,165	10,762,964
Trading Asset Securities	14,219	-	-	223,373	-
Total Investments	21,871,211	19,089,548	13,766,443	12,330,538	10,762,964
Gross Loans	97,544,593	71,174,720	55,344,259	47,722,273	41,751,573
Allowance for Loan Losses	-1,241,839	-1,196,316	-1,078,095	-959,662	-691,615
Net Loans	96,302,754	69,978,404	54,266,164	46,762,611	41,059,958
Property, Plant & Equipment	233,619	257,732	179,235	184,182	142,484
Other Intangible Assets	566,159	713,543	614,038	578,261	579,793
Loans Held for Sale	300,000	-	-	-	-
Accrued Interest Receivable	1,188,084	499,530	3,569,597	1,513,406	1,981,642
Other Receivables	2,959,983	6,436,218	10,358,655	10,427,194	11,714,984
Restricted Cash	14,455,160	3,507,305	2,287,057	3,749,729	1,966,518
Other Current Assets	-	771,461	545,957	-	-
Other Real Estate Owned & Foreclosed	-	1,843,063	1,915,926	-	-
Other Long-Term Assets	1,503,689	31,338	37,011	2,258,636	2,267,297
Total Assets	163,615,036	118,498,716	96,249,499	89,847,242	73,782,685
Accounts Payable	-	-	-	638,779	704,141
Interest Bearing Deposits	140,136,958	89,534,108	76,270,502	71,106,749	59,109,760
Non-Interest Bearing Deposits	-	16,619,528	9,610,013	8,760,824	5,883,008
Total Deposits	140,136,958	106,153,636	85,880,515	79,867,573	64,992,768
Short-Term Borrowings	1,815,099	86,313	26,407	-	177,577
Current Portion of Long-Term Debt	-	-	-	-	11,506
Accrued Interest Payable	1,457,493	1,186,011	1,806,629	1,531,335	1,558,455
Long-Term Debt	6,218,179	4,315,793	3,183,564	1,996,755	2,001,675
Other Long-Term Liabilities	394,383	664,117	257,712	48,572	72,343
Total Liabilities	150,022,112	112,405,870	91,154,827	84,083,014	69,518,465
Common Stock	19,279,848	11,779,848	5,601,555	5,601,555	4,101,555
Retained Earnings	-5,763,615	-5,686,786	-506,883	162,673	162,665
Treasury Stock	-29,644	-29,644	-29,644	-29,644	-29,644
Comprehensive Income & Other	106,335	29,428	29,644	29,644	29,644
Shareholders' Equity	13,592,924	6,092,846	5,094,672	5,764,228	4,264,220
Total Liabilities & Equity	163,615,036	118,498,716	96,249,499	89,847,242	73,782,685
Total Debt	8,033,278	4,402,106	3,209,971	1,996,755	2,190,758
Net Cash (Debt)	16,215,318	10,968,468	5,499,445	10,269,303	1,116,287
Net Cash Growth	47.84%	99.45%	-46.45%	819.95%	-89.08%
Net Cash Per Share	13804.59	17951.67	9873.33	23077.09	2742.72
Filing Date Shares Outstanding	1,175	1,175	556.8	556.8	406.8
Total Common Shares Outstanding	1,175	1,175	556.8	556.8	406.8
Book Value Per Share	11572.06	5187.02	9149.85	10352.35	10482.26
Tangible Book Value	13,026,765	5,379,303	4,480,634	5,185,967	3,684,427
Tangible Book Value Per Share	11090.07	4579.56	8047.06	9313.82	9057.02

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