Nam A Commercial Joint Stock Bank (HOSE: NAB)

NAB Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2023	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	19,338,340	19,338,340	12,966,350	11,054,339	9,077,130
Interest Paid on Deposits	12,691,031	12,691,031	7,847,229	6,771,150	6,473,185
Net Interest Income	6,647,309	6,647,309	5,119,122	4,283,189	2,603,944
Net Interest Income Growth (YoY)	29.85%	29.85%	19.52%	64.49%	-
Income From Trading Activities	-	-	-	-	12,120
Gain (Loss) on Sale of Investments	59,287	59,287	119,367	272,986	195,997
Gain (Loss) on Sale of Equity Investments	37.8	37.8	100,352	151.2	63
Other Non-Interest Income	937,577	937,577	634,460	262,347	382,340
Total Non-Interest Income	996,902	996,902	854,179	535,484	590,519
Non-Interest Income Growth (YoY)	16.71%	16.71%	59.52%	-9.32%	-
Revenues Before Loan Losses	7,644,211	7,644,211	5,973,300	4,818,673	3,194,464
Provision for Loan Losses	847,804	847,804	863,393	779,852	558,209
Revenue	6,796,407	6,796,407	5,109,908	4,038,821	2,636,255
Revenue Growth (YoY)	33.00%	33.00%	26.52%	53.20%	-
Other Non-Interest Expense	3,492,455	3,492,455	2,841,929	2,239,731	1,630,769
Total Non-Interest Expense	3,492,455	3,492,455	2,841,929	2,239,731	1,630,769
EBT Excluding Unusual Items	3,303,952	3,303,952	2,267,979	1,799,090	1,005,487
Pretax Income	3,303,952	3,303,952	2,267,979	1,799,090	1,005,487
Income Tax Expense	682,333	682,333	460,103	364,728	205,822
Net Income	2,621,619	2,621,619	1,807,876	1,434,363	799,664
Net Income to Common	2,621,619	2,621,619	1,807,876	1,434,363	799,664
Net Income Growth	45.01%	45.01%	26.04%	79.37%	-
Effective Tax Rate	20.65%	20.65%	20.29%	20.27%	20.47%

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