Fiscal year is January-December.

All values VND Millions. YEAR 2022

Interest Income 40,758,290

Interest and Fees on Loans 35,630,616

Interest on Bank Deposits 1,579,441

Other Interest or Dividend Income 3,548,233

Interest Income Growth 20.82%

Total Interest Expense 17,165,305

Interest Expense on Bank Deposits 15,212,277

Other Interest Expense 1,953,028

Interest Expense on Debt 1,904,819

Other Borrowed Funds 48,209

Total Interest Expense Growth 16.23%

Net Interest Income 23,592,985

Net Interest Income Growth 24.39%

Loan Loss Provision 70,814

Loan Loss Provision Growth -97.88%

Net Interest Income after Provision 23,522,171

Net Interest Inc After Loan Loss Prov Growth 50.49%

Net Interest Margin

Non-Interest Income 6,490,451

Securities Gain 324,732

Trading Account Income -263,899

Foreign Exchange Gains 1,048,369

Trust Income, Commissions & Fees 5,057,559

Commission & Fee Income 5,057,559

Other Operating Income 323,690

Non-Interest Expense 12,898,414

Labor & Related Expense 6,069,294

Equipment Expense 1,366,284

Operating Provisions -358,746

Taxes Other than Income Taxes 14,250

Depreciation & Amortization 367,440

Other Operating Expense 5,439,892

Operating Income 17,114,208

Operating Income Growth 42.64%

Operating Income Margin 36.22%

Non-Operating Income (Expense) -

Miscellaneous Non Operating Expense -

Equity in Affiliates (Pretax) -

Pretax Income 17,114,208

Pretax Income Growth 42.64%

Pretax Margin 36.22%

Income Taxes 3,426,015

Income Tax - Current - Domestic 3,445,611

Income Tax - Deferred - Domestic -19,596

Other After Tax Income (Expense) -150,000

Consolidated Net Income 13,538,193

Net Income 13,538,193

Net Income Growth 43.22%

Net Margin 28.65%

Net Income After Extraordinaries 13,538,193

Net Income Available to Common 13,538,193

EPS (Basic) 4008.42

EPS (Basic) Growth 43.22%

Basic Shares Outstanding 3,377

EPS (Diluted) 4008.42

EPS (Diluted) Growth 43.22%

Diluted Shares Outstanding 3,377

This is INCOME STATEMENT OF ASIA COMMERCIAL BANK BASED ON FINANCIAL WEBSITE (WSJ DOT COM)

QUESTIONS:

PLEASE HOW TO CALCULATE

1/ Non-performing Loan Ratio

2/ Operating Expenses

SOS, URGENT, PLEASE HELP, THANK YOU