HOSE:VCB Ratios and Metrics

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 2, 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
Market Capitalization	484,629,155	480,451,318	509,725,123	448,804,028	378,601,326	372,923,177
Market Cap Growth	-13.17%	-5.74%	13.57%	18.54%	1.52%	2.71%
Last Close Price	58000.00	57500.00	60561.29	53323.15	44982.17	44307.43
PE Ratio	15.05	14.92	16.37	14.70	14.26	18.93
PS Ratio	7.00	6.94	7.80	7.10	6.46	8.26
PB Ratio	2.16	2.14	2.60	2.72	2.79	3.42
Debt / Equity Ratio	0.22	0.22	0.11	0.20	0.20	0.24
Net Debt / Equity Ratio	-2.23	-2.23	-1.98	-1.94	-2.48	-2.03
Net Debt / FCF Ratio	3.86	3.86	4.74	1.85	6.98	1.32
Return on Equity (ROE)	16.73%	16.73%	18.74%	22.03%	24.44%	21.66%
Return on Assets (ROA)	1.55%	1.55%	1.73%	1.81%	1.85%	1.61%
Earnings Yield	6.64%	7.32%	6.64%	7.38%	7.90%	5.90%
FCF Yield	-26.77%	-27.00%	-16.09%	-38.57%	-12.73%	-44.93%
Dividend Yield	0.52%	-	0.50%	-	-	-
Payout Ratio	10.69%	10.69%	0.06%	0.05%	11.20%	8.58%
Total Shareholder Return	0.52%	-	0.50%	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.