Name: Net Profit Margin

Definition: Net profit margin shows how much profit remains after paying all costs — including operating expenses, interest, and taxes — for every dollar of sales. A higher margin means the business is efficient and keeps more of its sales as bottom-line profit. Falling margins may signal rising costs or pricing pressure.

Interpretation:
• In '2021', VBNK's net profit margin was 34.2%, measuring the overall profitability of the company. Industry average for Commercial Banks in '2021' stood at 27.7%.
• In '2022', VBNK's net profit margin was 27.5%, measuring the overall profitability of the company. The decline from '2021' may indicate some operational or financial challenges. Industry average for Commercial Banks in '2022' stood at 26.2%. Industry average declined by 1.5% from previous year.
• In '2023', VBNK's net profit margin was 38.8%, measuring the overall profitability of the company. The increase since '2022' reflects strengthening financial performance. Industry average for Commercial Banks in '2023' stood at 25.0%. Industry average declined by 1.2% from previous year.
• In '2024', VBNK's net profit margin was 35.6%, measuring the overall profitability of the company. The decline from '2023' may indicate some operational or financial challenges. Industry average for Commercial Banks in '2024' stood at 23.5%. Industry average declined by 1.5% from previous year.
Overall, VBNK's net profit margin has been volatile but generally stable over the past 4 years.

Formula: Net Profit Margin = Net Income / Revenue

Good Range: Ranges 5%-20% for many industries.