HOSE:NAB Balance Sheet

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
Cash & Equivalents	155,385,178	37,668,387	21,934,386	24,283,119	18,541,976
Investment Securities	40,192,663	20,984,616	24,154,097	25,744,067	22,984,238
Trading Asset Securities	21,781	-	39,455	104,949	127,921
Total Investments	40,214,444	20,984,616	24,193,552	25,849,016	23,112,159
Gross Loans	198,656,872	168,027,882	143,260,965	120,240,285	102,903,294
Allowance for Loan Losses	-2,274,559	-2,065,107	-1,548,149	-1,248,303	-1,286,837
Net Loans	196,382,313	165,962,775	141,712,816	118,991,982	101,616,457
Property, Plant & Equipment	1,793,760	1,608,591	1,298,976	1,150,855	609,249
Other Intangible Assets	575,773	579,517	581,592	423,624	415,610
Investments in Real Estate	-	30,439	15,971	15,971	15,971
Accrued Interest Receivable	6,986,810	3,001,116	2,056,115	2,727,847	2,811,443
Other Receivables	1,774,666	880,321	576,895	1,493,153	474,290
Restricted Cash	13,719,544	13,632,932	16,298,297	1,975,334	5,131,299
Other Current Assets	-	-	1,082,854	583,293	426,106
Other Real Estate Owned & Foreclosed	-	-	103,869	70,357	70,357
Other Long-Term Assets	1,500,834	780,289	40,916	14,183	12,589
Total Assets	418,333,322	245,128,983	209,896,239	177,578,734	153,237,506
Accrued Expenses	144,496	106,888	325,463	291,924	311,546
Interest Bearing Deposits	309,690,748	184,524,546	160,231,445	136,237,735	119,342,148
Non-Interest Bearing Deposits	22,539,008	11,524,751	8,014,467	9,034,648	9,048,287
Total Deposits	332,229,756	196,049,297	168,245,912	145,272,383	128,390,435
Short-Term Borrowings	2,412,358	6,768	-	-	3,112
Current Portion of Long-Term Debt	32,868,963	6,577,611	345	6,379,565	996
Current Income Taxes Payable	-	-	366,965	121,829	96,679
Accrued Interest Payable	-	-	4,282,773	3,158,821	2,371,244
Other Current Liabilities	-	-	641,624	1,576,954	616,109
Long-Term Debt	21,202,748	18,564,135	20,664,914	7,955,862	13,338,148
Long-Term Leases	-	-	65,126	65,066	37,826
Long-Term Unearned Revenue	-	-	-	33,339	35,674
Other Long-Term Liabilities	6,044,234	4,535,751	61,325	73,211	10,895
Total Liabilities	394,902,555	225,840,450	194,654,447	164,928,954	145,212,664
Common Stock	17,156,865	13,725,506	10,580,416	8,464,347	5,134,405
Additional Paid-In Capital	63	63	415	1,572,231	171,271
Retained Earnings	3,695,613	3,388,537	4,648,987	1,042,549	771,368
Comprehensive Income & Other	2,578,226	2,174,427	11,974	1,570,653	1,947,798
Shareholders' Equity	23,430,767	19,288,533	15,241,792	12,649,780	8,024,842
Total Liabilities & Equity	418,333,322	245,128,983	209,896,239	177,578,734	153,237,506
Total Debt	56,484,069	25,148,514	20,730,385	14,400,493	13,380,082
Net Cash (Debt)	98,922,890	12,519,873	1,243,456	9,987,575	5,289,815
Net Cash Growth	690.13%	906.86%	-87.55%	88.81%	505.80%
Net Cash Per Share	57657.91	7503.41	752.16	7836.24	5113.66
Filing Date Shares Outstanding	1,716	1,716	1,653	1,323	1,034
Total Common Shares Outstanding	1,716	1,716	1,653	1,323	1,034
Book Value Per Share	13656.79	11242.45	9219.62	9564.66	7757.62
Tangible Book Value	22,854,994	18,709,016	14,660,200	12,226,156	7,609,232
Tangible Book Value Per Share	13321.19	10904.67	8867.83	9244.35	7355.85

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