HOSE:NAB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 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	17,411,707	19,338,340	12,966,350	11,054,339	9,077,130
Interest Paid on Deposits	9,473,887	12,691,031	7,847,229	6,771,150	6,473,185
Net Interest Income	7,937,820	6,647,309	5,119,121	4,283,189	2,603,944
Net Interest Income Growth (YoY)	19.41%	29.85%	19.52%	64.49%	-
Income From Trading Activities	864	-	-	-	12,120
Gain (Loss) on Sale of Assets	1,191	1,158	-	-	-
Gain (Loss) on Sale of Investments	32,033	53,161	119,367	272,986	195,997
Gain (Loss) on Sale of Equity Investments	22	38	100,352	151	63
Other Non-Interest Income	522,557	528,524	634,460	262,348	382,340
Total Non-Interest Income	556,667	582,881	854,179	535,485	590,519
Non-Interest Income Growth (YoY)	-4.50%	-31.76%	59.51%	-9.32%	-
Revenues Before Loan Losses	8,494,487	7,230,190	5,973,300	4,818,674	3,194,464
Provision for Loan Losses	55,080	350,909	863,393	779,852	558,209
Revenue	8,439,407	6,879,281	5,109,907	4,038,822	2,636,255
Revenue Growth (YoY)	22.68%	34.63%	26.52%	53.20%	-
Salaries and Employee Benefits	2,103,964	1,888,273	-	-	-
Occupancy Expenses	681,516	595,406	-	-	-
Federal Deposit Insurance	189,245	174,845	-	-	-
Selling, General & Administrative	856,268	768,316	-	-	-
Other Non-Interest Expense	63,016	59,489	2,841,928	2,239,731	1,630,769
Total Non-Interest Expense	3,894,009	3,486,329	2,841,928	2,239,731	1,630,769
EBT Excluding Unusual Items	4,545,398	3,392,952	2,267,979	1,799,091	1,005,487
Other Unusual Items	-	-89,000	-	-	-
Pretax Income	4,545,398	3,303,952	2,267,979	1,799,091	1,005,487
Income Tax Expense	938,305	682,333	460,103	364,728	205,822
Net Income	3,607,093	2,621,619	1,807,876	1,434,363	799,664
Preferred Dividends & Other Adjustments	-	60,000	-	13,898	-
Net Income to Common	3,607,093	2,561,619	1,807,876	1,420,465	799,664
Net Income Growth	37.59%	45.01%	26.04%	79.37%	-
Basic Shares Outstanding	1,335	1,323	1,020	828	-
Diluted Shares Outstanding	1,335	1,323	1,020	828	-
Shares Change (YoY)	0.93%	29.71%	23.21%	-	-
EPS (Basic)	2702.25	1936.88	1773.07	1716.45	-
EPS (Diluted)	2702.25	1936.88	1773.07	1716.45	-
EPS Growth	39.52%	9.24%	3.30%	-	-
Effective Tax Rate	20.64%	20.65%	20.29%	20.27%	20.47%

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