Nam A Commercial Joint Stock Bank (HOSE:NAB)
Vietnam
· Delayed Price · Currency is VND 14,450
-150 (-1.03%)
At close: Dec 5, 2025
HOSE:NAB Income Statement
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | 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 | 20,320,283 | 17,411,707 | 19,338,340 | 12,966,350 | 11,054,339 | 9,077,130 |
| Interest Paid on Deposits | 12,019,618 | 9,473,887 | 12,691,031 | 7,847,229 | 6,771,150 | 6,473,185 |
| Net Interest Income | 8,300,665 | 7,937,820 | 6,647,309 | 5,119,121 | 4,283,189 | 2,603,944 |
| Net Interest Income Growth (YoY) | 1.59% | 19.41% | 29.85% | 19.52% | 64.49% | - |
| Income From Trading Activities | 7,298 | 864 | - | - | - | 12,120 |
| Gain (Loss) on Sale of Assets | 1,191 | 1,191 | 1,158 | - | - | - |
| Gain (Loss) on Sale of Investments | 115,942 | 32,033 | 53,161 | 119,367 | 272,986 | 195,997 |
| Gain (Loss) on Sale of Equity Investments | 2,222 | 22 | 38 | 100,352 | 151 | 63 |
| Other Non-Interest Income | 1,119,424 | 522,557 | 528,524 | 634,460 | 262,348 | 382,340 |
| Total Non-Interest Income | 1,246,077 | 556,667 | 582,881 | 854,179 | 535,485 | 590,519 |
| Non-Interest Income Growth (YoY) | 76.84% | -4.50% | -31.76% | 59.51% | -9.32% | - |
| Revenues Before Loan Losses | 9,546,742 | 8,494,487 | 7,230,190 | 5,973,300 | 4,818,674 | 3,194,464 |
| Provision for Loan Losses | 700,200 | 55,080 | 350,909 | 863,393 | 779,852 | 558,209 |
| Revenue | 8,846,542 | 8,439,407 | 6,879,281 | 5,109,907 | 4,038,822 | 2,636,255 |
| Revenue Growth (YoY) | 6.68% | 22.68% | 34.63% | 26.52% | 53.20% | - |
| Salaries and Employee Benefits | 2,039,726 | 2,103,964 | 1,888,273 | - | - | - |
| Occupancy Expenses | 726,440 | 681,516 | 595,406 | - | - | - |
| Federal Deposit Insurance | 207,606 | 189,245 | 174,845 | - | - | - |
| Selling, General & Administrative | 753,905 | 856,268 | 768,316 | - | - | - |
| Other Non-Interest Expense | 85,084 | 63,016 | 59,489 | 2,841,928 | 2,239,731 | 1,630,769 |
| Total Non-Interest Expense | 3,812,761 | 3,894,009 | 3,486,329 | 2,841,928 | 2,239,731 | 1,630,769 |
| EBT Excluding Unusual Items | 5,033,781 | 4,545,398 | 3,392,952 | 2,267,979 | 1,799,091 | 1,005,487 |
| Other Unusual Items | - | - | -89,000 | - | - | - |
| Pretax Income | 5,033,781 | 4,545,398 | 3,303,952 | 2,267,979 | 1,799,091 | 1,005,487 |
| Income Tax Expense | 1,024,848 | 938,305 | 682,333 | 460,103 | 364,728 | 205,822 |
| Net Income | 4,008,933 | 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 | 4,008,933 | 3,607,093 | 2,561,619 | 1,807,876 | 1,420,465 | 799,664 |
| Net Income Growth | 10.44% | 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) | - | 0.93% | 29.71% | 23.21% | - | - |
| EPS (Basic) | 2336.63 | 2161.80 | 1549.50 | 1418.46 | 1373.16 | - |
| EPS (Diluted) | 2336.63 | 2161.80 | 1549.50 | 1418.46 | 1373.16 | - |
| EPS Growth | - | 39.52% | 9.24% | 3.30% | - | - |
| Effective Tax Rate | 20.36% | 20.64% | 20.65% | 20.29% | 20.27% | 20.47% |
Source: S&P Capital IQ. Banks template. Financial Sources.