National Citizen Commercial Joint Stock Bank (HNX:NVB)

HNX:NVB Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Jan 1, 2023	Jan 1, 2022	Jan 1, 2021
Cash & Equivalents	15,370,574	8,709,416	12,042,685	3,307,045	12,311,838
Investment Securities	19,089,548	13,766,443	12,107,165	10,762,964	13,950,202
Trading Asset Securities	-	-	223,373	-	38,573
Total Investments	19,089,548	13,766,443	12,330,538	10,762,964	13,988,775
Gross Loans	71,174,720	55,344,259	47,722,273	41,751,573	40,413,272
Allowance for Loan Losses	-1,196,316	-1,078,095	-959,662	-691,615	-458,305
Net Loans	69,978,404	54,266,164	46,762,611	41,059,958	39,954,967
Property, Plant & Equipment	257,732	179,235	184,182	142,484	150,603
Other Intangible Assets	713,543	614,038	578,261	579,793	432,611
Accrued Interest Receivable	499,530	3,569,597	1,513,406	1,981,642	1,806,302
Other Receivables	6,399,814	10,375,192	10,427,194	11,714,984	18,503,056
Restricted Cash	3,507,305	2,287,057	3,749,729	1,966,518	1,550,785
Other Long-Term Assets	2,682,266	2,482,357	2,258,636	2,267,297	902,303
Total Assets	118,498,716	96,249,499	89,847,242	73,782,685	89,601,240
Accounts Payable	-	83,006	638,779	704,141	-
Accrued Expenses	9,262	-	-	-	-
Interest Bearing Deposits	89,534,108	76,270,502	71,106,749	59,109,760	74,121,241
Non-Interest Bearing Deposits	16,619,528	9,610,013	8,760,824	5,883,008	6,990,684
Total Deposits	106,153,636	85,880,515	79,867,573	64,992,768	81,111,925
Short-Term Borrowings	86,313	26,407	-	177,577	-
Current Portion of Long-Term Debt	-	-	-	11,506	-
Current Income Taxes Payable	-47	-	-	-	-
Accrued Interest Payable	1,186,011	1,806,629	1,531,335	1,558,455	1,816,571
Long-Term Debt	4,304,643	3,166,906	1,996,755	2,001,675	2,127,220
Other Long-Term Liabilities	666,052	191,364	48,572	72,343	282,704
Total Liabilities	112,405,870	91,154,827	84,083,014	69,518,465	85,338,420
Common Stock	11,779,632	5,601,555	5,601,555	4,101,555	4,101,555
Retained Earnings	-5,686,786	-506,883	162,673	162,665	161,265
Treasury Stock	-29,644	-29,644	-29,644	-29,644	-29,644
Comprehensive Income & Other	29,644	29,644	29,644	29,644	29,644
Shareholders' Equity	6,092,846	5,094,672	5,764,228	4,264,220	4,262,820
Total Liabilities & Equity	118,498,716	96,249,499	89,847,242	73,782,685	89,601,240
Total Debt	4,390,956	3,193,313	1,996,755	2,190,758	2,127,220
Net Cash (Debt)	10,979,618	5,516,103	10,269,303	1,116,287	10,223,191
Net Cash Growth	99.05%	-46.29%	819.95%	-89.08%	-8.13%
Net Cash Per Share	9347.28	9903.24	23077.09	2742.72	25118.41
Filing Date Shares Outstanding	1,175	556.8	556.8	406.8	406.8
Total Common Shares Outstanding	1,175	556.8	556.8	406.8	406.8
Book Value Per Share	5187.02	9149.85	10352.35	10482.26	10478.82
Tangible Book Value	5,379,303	4,480,634	5,185,967	3,684,427	3,830,209
Tangible Book Value Per Share	4579.56	8047.06	9313.82	9057.02	9415.38

Source: S&P Capital IQ. Banks template. Financial Sources.