HNX:NVB Balance Sheet

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	26,806,212	24,234,377	15,370,574	8,709,416	12,042,685	3,307,045
Investment Securities	21,771,302	21,856,992	19,089,548	13,766,443	12,107,165	10,762,964
Trading Asset Securities	6,835	14,219	-	-	223,373	-
Total Investments	21,778,137	21,871,211	19,089,548	13,766,443	12,330,538	10,762,964
Gross Loans	117,176,338	97,844,593	71,174,720	55,344,259	47,722,273	41,751,573
Allowance for Loan Losses	-1,530,757	-1,241,832	-1,196,316	-1,078,095	-959,662	-691,615
Net Loans	115,645,581	96,602,761	69,978,404	54,266,164	46,762,611	41,059,958
Property, Plant & Equipment	352,801	304,623	257,732	179,235	184,182	142,484
Other Intangible Assets	571,530	566,159	713,543	614,038	578,261	579,793
Accrued Interest Receivable	1,384,806	1,188,217	499,530	3,569,597	1,513,406	1,981,642
Other Receivables	1,324,866	1,197,769	6,436,218	10,358,655	10,427,194	11,714,984
Restricted Cash	2,531,348	14,455,160	3,507,305	2,287,057	3,749,729	1,966,518
Other Current Assets	-	1,320,155	771,461	545,957	-	-
Other Real Estate Owned & Foreclosed	-	1,843,063	1,843,063	1,915,926	-	-
Other Long-Term Assets	3,108,421	31,493	31,338	37,011	2,258,636	2,267,297
Total Assets	173,503,702	163,614,988	118,498,716	96,249,499	89,847,242	73,782,685
Accounts Payable	-	-	-	-	638,779	704,141
Interest Bearing Deposits	127,830,149	116,647,243	89,534,108	76,270,502	71,106,749	59,109,760
Non-Interest Bearing Deposits	23,599,455	23,489,715	16,619,528	9,610,013	8,760,824	5,883,008
Total Deposits	151,429,604	140,136,958	106,153,636	85,880,515	79,867,573	64,992,768
Short-Term Borrowings	1,237,677	1,545,099	86,313	26,407	-	177,577
Current Portion of Long-Term Debt	-	-	-	-	-	11,506
Accrued Interest Payable	1,790,399	1,457,493	1,186,011	1,806,629	1,531,335	1,558,455
Long-Term Debt	4,997,185	6,488,179	4,315,793	3,183,564	1,996,755	2,001,675
Other Long-Term Liabilities	239,868	394,335	664,117	257,712	48,572	72,343
Total Liabilities	159,694,733	150,022,064	112,405,870	91,154,827	84,083,014	69,518,465
Common Stock	19,279,848	19,279,848	11,779,848	5,601,555	5,601,555	4,101,555
Retained Earnings	-5,470,663	-5,686,708	-5,686,786	-506,883	162,673	162,665
Treasury Stock	-29,644	-29,644	-29,644	-29,644	-29,644	-29,644
Comprehensive Income & Other	29,428	29,428	29,428	29,644	29,644	29,644
Shareholders' Equity	13,808,969	13,592,924	6,092,846	5,094,672	5,764,228	4,264,220
Total Liabilities & Equity	173,503,702	163,614,988	118,498,716	96,249,499	89,847,242	73,782,685
Total Debt	6,234,862	8,033,278	4,402,106	3,209,971	1,996,755	2,190,758
Net Cash (Debt)	20,578,185	16,215,318	10,968,468	5,499,445	10,269,303	1,116,287
Net Cash Growth	64.98%	47.84%	99.45%	-46.45%	819.95%	-89.08%
Net Cash Per Share	10692.01	12293.65	17951.67	9873.33	23077.09	2742.72
Filing Date Shares Outstanding	1,925	1,925	1,175	556.8	556.8	406.8
Total Common Shares Outstanding	1,925	1,925	1,175	556.8	556.8	406.8
Book Value Per Share	7174.86	7062.61	5187.02	9149.85	10352.35	10482.26
Tangible Book Value	13,237,439	13,026,765	5,379,303	4,480,634	5,185,967	3,684,427
Tangible Book Value Per Share	6877.90	6768.44	4579.56	8047.06	9313.82	9057.02

Source: S&P Global Market Intelligence. Banks template. Financial Sources.