NAB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '24 Jun 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	18,445,928	19,338,340	12,966,350	11,054,339	9,077,130
Interest Paid on Deposits	10,964,851	12,691,031	7,847,229	6,771,150	6,473,185
Net Interest Income	7,481,077	6,647,309	5,119,121	4,283,189	2,603,944
Net Interest Income Growth (YoY)	27.41%	29.85%	19.52%	64.49%	-
Income From Trading Activities	-	-	-	-	12,120
Gain (Loss) on Sale of Assets	1,786	1,158	-	-	-
Gain (Loss) on Sale of Investments	117,131	53,161	119,367	272,986	195,997
Gain (Loss) on Sale of Equity Investments	38	38	100,352	151	63
Other Non-Interest Income	885,595	1,025,419	634,460	262,348	382,340
Total Non-Interest Income	1,004,550	1,079,776	854,179	535,485	590,519
Non-Interest Income Growth (YoY)	-2.38%	26.41%	59.52%	-9.32%	-
Revenues Before Loan Losses	8,485,627	7,727,085	5,973,300	4,818,674	3,194,464
Provision for Loan Losses	733,678	847,804	863,393	779,852	558,209
Revenue	7,751,949	6,879,281	5,109,907	4,038,822	2,636,255
Revenue Growth (YoY)	32.77%	34.63%	26.52%	53.20%	-
Salaries and Employee Benefits	1,888,273	1,888,273	-	-	-
Occupancy Expenses	595,406	595,406	-	-	-
Federal Deposit Insurance	174,845	174,845	-	-	-
Selling, General & Administrative	809,329	768,316	-	-	-
Other Non-Interest Expense	199,329	59,489	2,841,928	2,239,731	1,630,769
Total Non-Interest Expense	3,667,182	3,486,329	2,841,928	2,239,731	1,630,769
EBT Excluding Unusual Items	4,084,767	3,392,952	2,267,979	1,799,091	1,005,487
Other Unusual Items	-89,000	-89,000	-	-	-
Pretax Income	3,995,767	3,303,952	2,267,979	1,799,091	1,005,487
Income Tax Expense	820,704	682,333	460,103	364,728	205,822
Net Income	3,175,063	2,621,619	1,807,876	1,434,363	799,664
Preferred Dividends & Other Adjustments	-60,000	-	-	13,898	-
Net Income to Common	3,235,063	2,621,619	1,807,876	1,420,465	799,664
Net Income Growth	51.99%	45.01%	26.04%	79.37%	-
Basic Shares Outstanding	1,058	1,058	1,020	828	-
Diluted Shares Outstanding	1,058	1,058	1,020	828	-
Shares Change (YoY)	-9.46%	3.77%	23.21%	-	-
EPS (Basic)	3057.60	2477.80	1773.07	1716.45	-
EPS (Diluted)	3057.60	2477.80	1773.07	1716.45	-
EPS Growth	78.71%	39.75%	3.30%	-	-
Effective Tax Rate	20.54%	20.65%	20.29%	20.27%	20.47%

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