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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar '26 Mar 16, 2026	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
Market Capitalization	491,313,696	509,725,123	448,804,028	378,601,326	372,923,177	363,099,102
Market Cap Growth	-5.07%	13.57%	18.54%	1.52%	2.71%	8.54%
Last Close Price	58800.00	60561.29	53323.15	44982.17	44307.43	42616.78
PE Ratio	15.15	16.37	14.70	14.26	18.93	22.65
PS Ratio	7.16	7.80	7.10	6.46	8.26	9.29
PB Ratio	2.21	2.60	2.72	2.79	3.42	3.86
Debt / Equity Ratio	0.12	0.11	0.20	0.20	0.24	0.29
Net Debt / Equity Ratio	-2.19	-1.98	-1.94	-2.48	-2.03	-2.74
Net Debt / FCF Ratio	8.18	4.74	1.85	6.98	1.32	2.32
Return on Equity (ROE)	17.01%	18.74%	22.03%	24.44%	21.66%	21.11%
Return on Assets (ROA)	1.63%	1.73%	1.81%	1.85%	1.61%	1.45%
Earnings Yield	6.60%	6.64%	7.38%	7.90%	5.90%	5.08%
FCF Yield	-12.17%	-16.09%	-38.57%	-12.73%	-44.93%	-30.58%
Dividend Yield	0.51%	0.50%	-	-	-	1.25%
Payout Ratio	-	-	0.05%	11.20%	8.58%	16.18%
Buyback Yield / Dilution	-	-	-	0.00%	-	-0.22%
Total Shareholder Return	0.51%	0.50%	-	-	-	1.03%

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