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 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Jan 1, 2023	Jan 1, 2022	Jan 1, 2021	Jan 1, 2020
Cash & Equivalents	12,659,224	8,709,416	12,042,685	3,307,045	12,311,838	14,622,162
Investment Securities	13,971,618	13,766,443	12,107,165	10,762,964	13,950,202	13,850,200
Trading Asset Securities	-	-	223,373	-	38,573	43,925
Total Investments	13,971,618	13,766,443	12,330,538	10,762,964	13,988,775	13,894,125
Gross Loans	64,380,567	55,344,259	47,722,273	41,751,573	40,413,272	38,794,811
Allowance for Loan Losses	-1,141,315	-1,078,095	-959,662	-691,615	-458,305	-427,176
Net Loans	63,239,252	54,266,164	46,762,611	41,059,958	39,954,967	38,367,635
Property, Plant & Equipment	194,200	179,235	184,182	142,484	150,603	151,531
Other Intangible Assets	616,826	614,038	578,261	579,793	432,611	438,000
Accrued Interest Receivable	3,764,967	3,569,597	1,513,406	1,981,642	1,806,302	3,151,544
Other Receivables	10,194,894	10,375,192	10,427,194	11,714,984	18,503,056	5,470,481
Restricted Cash	1,711,382	2,287,057	3,749,729	1,966,518	1,550,785	494,362
Other Long-Term Assets	2,500,905	2,482,357	2,258,636	2,267,297	902,303	3,804,182
Total Assets	108,853,268	96,249,499	89,847,242	73,782,685	89,601,240	80,394,022
Accounts Payable	-	83,006	638,779	704,141	-	135,752
Interest Bearing Deposits	85,436,443	76,270,502	71,106,749	59,109,760	74,121,241	65,946,021
Non-Interest Bearing Deposits	12,451,063	9,610,013	8,760,824	5,883,008	6,990,684	4,729,576
Total Deposits	97,887,506	85,880,515	79,867,573	64,992,768	81,111,925	70,675,597
Short-Term Borrowings	91,025	26,407	-	177,577	-	-
Current Portion of Long-Term Debt	-	-	-	11,506	-	833,808
Accrued Interest Payable	1,154,946	1,806,629	1,531,335	1,558,455	1,816,571	1,621,526
Long-Term Debt	4,484,919	3,166,906	1,996,755	2,001,675	2,127,220	2,704,190
Other Long-Term Liabilities	191,490	191,364	48,572	72,343	282,704	116,477
Total Liabilities	103,817,983	91,154,827	84,083,014	69,518,465	85,338,420	76,087,350
Common Stock	5,601,555	5,601,555	5,601,555	4,101,555	4,101,555	4,101,555
Retained Earnings	-566,270	-506,883	162,673	162,665	161,265	77,245
Treasury Stock	-29,644	-29,644	-29,644	-29,644	-29,644	-29,644
Comprehensive Income & Other	29,644	29,644	29,644	29,644	29,644	157,516
Shareholders' Equity	5,035,285	5,094,672	5,764,228	4,264,220	4,262,820	4,306,672
Total Liabilities & Equity	108,853,268	96,249,499	89,847,242	73,782,685	89,601,240	80,394,022
Total Debt	4,575,944	3,193,313	1,996,755	2,190,758	2,127,220	3,537,998
Net Cash (Debt)	8,083,280	5,516,103	10,269,303	1,116,287	10,223,191	11,128,089
Net Cash Growth	19.66%	-46.29%	819.95%	-89.08%	-8.13%	311.97%
Net Cash Per Share	14517.29	9903.24	23077.09	2742.72	25118.41	33274.38
Filing Date Shares Outstanding	556.8	556.8	556.8	406.8	406.8	406.8
Total Common Shares Outstanding	556.8	556.8	556.8	406.8	406.8	406.8
Book Value Per Share	9043.20	9149.85	10352.35	10482.26	10478.82	10586.61
Tangible Book Value	4,418,459	4,480,634	5,185,967	3,684,427	3,830,209	3,868,672
Tangible Book Value Per Share	7935.40	8047.06	9313.82	9057.02	9415.38	9509.93

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