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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Jan 1, 2023	Jan 1, 2022	Jan 1, 2021
Cash & Equivalents	18,298,944	15,370,574	8,709,416	12,042,685	3,307,045	12,311,838
Investment Securities	21,835,317	19,089,548	13,766,443	12,107,165	10,762,964	13,950,202
Trading Asset Securities	832	-	-	223,373	-	38,573
Total Investments	21,836,149	19,089,548	13,766,443	12,330,538	10,762,964	13,988,775
Gross Loans	78,041,365	71,174,720	55,344,259	47,722,273	41,751,573	40,413,272
Allowance for Loan Losses	-1,225,097	-1,196,316	-1,078,095	-959,662	-691,615	-458,305
Net Loans	76,816,268	69,978,404	54,266,164	46,762,611	41,059,958	39,954,967
Property, Plant & Equipment	264,552	257,732	179,235	184,182	142,484	150,603
Other Intangible Assets	656,825	713,543	614,038	578,261	579,793	432,611
Accrued Interest Receivable	1,253,292	499,530	3,569,597	1,513,406	1,981,642	1,806,302
Other Receivables	7,653,495	6,436,218	10,358,655	10,427,194	11,714,984	18,503,056
Restricted Cash	3,013,644	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	1,089,745	31,338	37,011	2,258,636	2,267,297	902,303
Total Assets	130,882,914	118,498,716	96,249,499	89,847,242	73,782,685	89,601,240
Accounts Payable	-	-	-	638,779	704,141	-
Interest Bearing Deposits	98,145,898	89,534,108	76,270,502	71,106,749	59,109,760	74,121,241
Non-Interest Bearing Deposits	19,322,954	16,619,528	9,610,013	8,760,824	5,883,008	6,990,684
Total Deposits	117,468,852	106,153,636	85,880,515	79,867,573	64,992,768	81,111,925
Short-Term Borrowings	855,959	86,313	26,407	-	177,577	-
Current Portion of Long-Term Debt	-	-	-	-	11,506	-
Accrued Interest Payable	1,094,775	1,186,011	1,806,629	1,531,335	1,558,455	1,816,571
Long-Term Debt	4,770,421	4,315,793	3,183,564	1,996,755	2,001,675	2,127,220
Other Long-Term Liabilities	449,294	664,117	257,712	48,572	72,343	282,704
Total Liabilities	124,639,301	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	-5,536,019	-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	6,243,613	6,092,846	5,094,672	5,764,228	4,264,220	4,262,820
Total Liabilities & Equity	130,882,914	118,498,716	96,249,499	89,847,242	73,782,685	89,601,240
Total Debt	5,626,380	4,402,106	3,209,971	1,996,755	2,190,758	2,127,220
Net Cash (Debt)	12,673,396	10,968,468	5,499,445	10,269,303	1,116,287	10,223,191
Net Cash Growth	138.73%	99.45%	-46.45%	819.95%	-89.08%	-8.13%
Net Cash Per Share	10789.24	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	5315.37	5187.02	9149.85	10352.35	10482.26	10478.82
Tangible Book Value	5,586,788	5,379,303	4,480,634	5,185,967	3,684,427	3,830,209
Tangible Book Value Per Share	4756.20	4579.56	8047.06	9313.82	9057.02	9415.38

Updated Mar 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.