National Citizen Commercial Joint Stock Bank (HNX:NVB)

HNX:NVB Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Jan 1, 2023	Jan 1, 2022	Jan 1, 2021
Cash & Equivalents	25,458,395	15,370,574	8,709,416	12,042,685	3,307,045	12,311,838
Investment Securities	21,062,522	19,089,548	13,766,443	12,107,165	10,762,964	13,950,202
Trading Asset Securities	-	-	-	223,373	-	38,573
Total Investments	21,062,522	19,089,548	13,766,443	12,330,538	10,762,964	13,988,775
Gross Loans	95,256,415	71,174,720	55,344,259	47,722,273	41,751,573	40,413,272
Allowance for Loan Losses	-1,313,994	-1,196,316	-1,078,095	-959,662	-691,615	-458,305
Net Loans	93,942,421	69,978,404	54,266,164	46,762,611	41,059,958	39,954,967
Property, Plant & Equipment	296,735	257,732	179,235	184,182	142,484	150,603
Other Intangible Assets	554,726	713,543	614,038	578,261	579,793	432,611
Accrued Interest Receivable	793,101	499,530	3,569,597	1,513,406	1,981,642	1,806,302
Other Receivables	7,110,436	6,436,218	10,358,655	10,427,194	11,714,984	18,503,056
Restricted Cash	2,170,620	3,507,305	2,287,057	3,749,729	1,966,518	1,550,785
Other Current Assets	-	771,461	545,957	-	-	-
Other Real Estate Owned & Foreclosed	-	1,843,063	1,915,926	-	-	-
Other Long-Term Assets	2,712,869	31,338	37,011	2,258,636	2,267,297	902,303
Total Assets	154,101,825	118,498,716	96,249,499	89,847,242	73,782,685	89,601,240
Accounts Payable	-	-	-	638,779	704,141	-
Interest Bearing Deposits	115,766,958	89,534,108	76,270,502	71,106,749	59,109,760	74,121,241
Non-Interest Bearing Deposits	21,035,938	16,619,528	9,610,013	8,760,824	5,883,008	6,990,684
Total Deposits	136,802,896	106,153,636	85,880,515	79,867,573	64,992,768	81,111,925
Short-Term Borrowings	839,951	86,313	26,407	-	177,577	-
Current Portion of Long-Term Debt	-	-	-	-	11,506	-
Accrued Interest Payable	1,375,255	1,186,011	1,806,629	1,531,335	1,558,455	1,816,571
Long-Term Debt	7,538,951	4,315,793	3,183,564	1,996,755	2,001,675	2,127,220
Other Long-Term Liabilities	799,873	664,117	257,712	48,572	72,343	282,704
Total Liabilities	147,356,926	112,405,870	91,154,827	84,083,014	69,518,465	85,338,420
Common Stock	11,779,848	11,779,848	5,601,555	5,601,555	4,101,555	4,101,555
Retained Earnings	-5,034,733	-5,686,786	-506,883	162,673	162,665	161,265
Treasury Stock	-29,644	-29,644	-29,644	-29,644	-29,644	-29,644
Comprehensive Income & Other	29,428	29,428	29,644	29,644	29,644	29,644
Shareholders' Equity	6,744,899	6,092,846	5,094,672	5,764,228	4,264,220	4,262,820
Total Liabilities & Equity	154,101,825	118,498,716	96,249,499	89,847,242	73,782,685	89,601,240
Total Debt	8,378,902	4,402,106	3,209,971	1,996,755	2,190,758	2,127,220
Net Cash (Debt)	17,079,493	10,968,468	5,499,445	10,269,303	1,116,287	10,223,191
Net Cash Growth	111.29%	99.45%	-46.45%	819.95%	-89.08%	-8.13%
Net Cash Per Share	14540.28	17951.67	9873.33	23077.09	2742.72	25118.41
Filing Date Shares Outstanding	1,175	1,175	556.8	556.8	406.8	406.8
Total Common Shares Outstanding	1,175	1,175	556.8	556.8	406.8	406.8
Book Value Per Share	5742.13	5187.02	9149.85	10352.35	10482.26	10478.82
Tangible Book Value	6,190,173	5,379,303	4,480,634	5,185,967	3,684,427	3,830,209
Tangible Book Value Per Share	5269.88	4579.56	8047.06	9313.82	9057.02	9415.38

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.