HOSE:VAB Ratios and Metrics

Market cap in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2023	FY 2022	FY 2019	FY 2018	FY 2017	2016
Period Ending	Dec '25 Dec 4, 2025	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '19 Dec 31, 2019	Jan '19 Jan 1, 2019	Dec '17 Dec 31, 2017	2016
Debt / Equity Ratio	0.36	0.00	0.50	2.23	1.96	2.74	Upgrade
Return on Equity (ROE)	-	9.93%	-	4.78%	2.84%	2.43%	Upgrade
Return on Assets (ROA)	-	0.70%	-	0.28%	0.17%	0.16%	Upgrade
Buyback Yield / Dilution	-	-	-	0.17%	0.01%	0.63%	Upgrade

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