HOSE:NAB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	27,234,590	22,356,378	17,411,707	19,338,340	12,966,350	11,054,339
Interest Paid on Deposits	18,552,890	13,739,756	9,473,887	12,691,031	7,847,229	6,771,150
Net Interest Income	8,681,700	8,616,622	7,937,820	6,647,309	5,119,121	4,283,189
Net Interest Income Growth	5.28%	8.55%	19.41%	29.85%	19.52%	64.49%
Income From Trading Activities	6,162	6,434	864	-	-	-
Gain (Loss) on Sale of Assets	-	-	-	1,158	-	-
Gain (Loss) on Sale of Investments	290,523	217,821	32,033	53,161	119,367	272,986
Gain (Loss) on Sale of Equity Investments	2,222	2,222	22	38	100,352	151
Other Non-Interest Income	2,687,278	2,674,066	989,570	528,524	634,460	262,348
Total Non-Interest Income	2,986,185	2,900,543	1,022,489	582,881	854,179	535,485
Non-Interest Income Growth	110.38%	183.68%	75.42%	-31.76%	59.51%	-9.32%
Revenues Before Loan Losses	11,667,885	11,517,165	8,960,309	7,230,190	5,973,300	4,818,674
Provision for Loan Losses	1,514,278	2,463,326	520,902	350,909	863,393	779,852
Revenue	10,153,607	9,053,839	8,439,407	6,879,281	5,109,907	4,038,822
Revenue Growth	17.50%	7.28%	22.68%	34.63%	26.52%	53.20%
Salaries and Employee Benefits	2,115,534	1,887,529	2,103,964	1,888,273	-	-
Occupancy Expenses	254,051	226,377	175,048	595,406	-	-
Federal Deposit Insurance	229,992	218,892	189,245	174,845	-	-
Selling, General & Administrative	226,017	32,171	27,834	768,316	-	-
Other Non-Interest Expense	1,435,909	1,435,336	1,397,918	59,489	2,841,928	2,239,731
Total Non-Interest Expense	4,261,503	3,800,305	3,894,009	3,486,329	2,841,928	2,239,731
EBT Excluding Unusual Items	5,892,104	5,253,534	4,545,398	3,392,952	2,267,979	1,799,091
Other Unusual Items	-	-	-	-89,000	-	-
Pretax Income	5,892,104	5,253,534	4,545,398	3,303,952	2,267,979	1,799,091
Income Tax Expense	1,199,966	1,071,300	938,305	682,333	460,103	364,728
Net Income	4,692,138	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	4,692,138	4,182,234	3,607,093	2,561,619	1,807,876	1,420,465
Net Income Growth	21.94%	15.95%	40.81%	41.69%	27.27%	77.63%
Basic Shares Outstanding	2,059	2,059	2,002	1,984	1,529	1,241
Diluted Shares Outstanding	2,059	2,059	2,002	1,984	1,529	1,241
Shares Change	-	2.83%	0.93%	29.71%	23.21%	-
EPS (Basic)	2279.04	2031.37	1801.50	1291.25	1182.05	1144.30
EPS (Diluted)	2279.04	2031.37	1801.50	1291.25	1182.05	1144.30
EPS Growth	21.94%	12.76%	39.52%	9.24%	3.30%	-
Effective Tax Rate	20.37%	20.39%	20.64%	20.65%	20.29%	20.27%