HOSE:NAB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	22,356,378	17,411,707	19,338,340	12,966,350	11,054,339
Interest Paid on Deposits	13,739,756	9,473,887	12,691,031	7,847,229	6,771,150
Net Interest Income	8,616,622	7,937,820	6,647,309	5,119,121	4,283,189
Net Interest Income Growth (YoY)	8.55%	19.41%	29.85%	19.52%	64.49%
Income From Trading Activities	6,434	864	-	-	-
Gain (Loss) on Sale of Assets	-	1,191	1,158	-	-
Gain (Loss) on Sale of Investments	235,274	32,033	53,161	119,367	272,986
Gain (Loss) on Sale of Equity Investments	2,222	22	38	100,352	151
Other Non-Interest Income	2,674,066	522,557	528,524	634,460	262,348
Total Non-Interest Income	2,917,996	556,667	582,881	854,179	535,485
Non-Interest Income Growth (YoY)	424.19%	-4.50%	-31.76%	59.51%	-9.32%
Revenues Before Loan Losses	11,534,618	8,494,487	7,230,190	5,973,300	4,818,674
Provision for Loan Losses	2,463,326	55,080	350,909	863,393	779,852
Revenue	9,071,292	8,439,407	6,879,281	5,109,907	4,038,822
Revenue Growth (YoY)	7.49%	22.68%	34.63%	26.52%	53.20%
Salaries and Employee Benefits	1,887,529	2,103,964	1,888,273	-	-
Occupancy Expenses	226,377	681,516	595,406	-	-
Federal Deposit Insurance	218,892	189,245	174,845	-	-
Selling, General & Administrative	871,727	856,268	768,316	-	-
Other Non-Interest Expense	613,233	63,016	59,489	2,841,928	2,239,731
Total Non-Interest Expense	3,817,758	3,894,009	3,486,329	2,841,928	2,239,731
EBT Excluding Unusual Items	5,253,534	4,545,398	3,392,952	2,267,979	1,799,091
Other Unusual Items	-	-	-89,000	-	-
Pretax Income	5,253,534	4,545,398	3,303,952	2,267,979	1,799,091
Income Tax Expense	1,071,300	938,305	682,333	460,103	364,728
Net Income	4,182,234	3,607,093	2,621,619	1,807,876	1,434,363
Preferred Dividends & Other Adjustments	-	-	60,000	-	13,898
Net Income to Common	4,182,234	3,607,093	2,561,619	1,807,876	1,420,465
Net Income Growth	15.95%	37.59%	45.01%	26.04%	79.37%
Basic Shares Outstanding	1,716	1,669	1,653	1,275	1,034
Diluted Shares Outstanding	1,716	1,669	1,653	1,275	1,034
Shares Change (YoY)	2.83%	0.93%	29.71%	23.21%	-
EPS (Basic)	2437.64	2161.80	1549.50	1418.46	1373.16
EPS (Diluted)	2437.64	2161.80	1549.50	1418.46	1373.16
EPS Growth	12.76%	39.52%	9.24%	3.30%	-
Effective Tax Rate	20.39%	20.64%	20.65%	20.29%	20.27%

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