Vietnam International Commercial Joint Stock Bank (HOSE:VIB)

HOSE:VIB Income Statement

Financials in millions VND. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	34,749,130	32,442,938	36,691,187	27,509,339	20,975,011	17,437,106
Interest Paid on Deposits	18,854,635	15,692,526	18,207,116	12,546,784	9,158,864	8,940,999
Net Interest Income	15,894,495	16,750,412	18,484,071	14,962,555	11,816,147	8,496,107
Net Interest Income Growth (YoY)	-8.60%	-9.38%	23.54%	26.63%	39.08%	36.74%
Income From Trading Activities	-	-	-	-	196,796	25,240
Gain (Loss) on Sale of Investments	301,498	247,967	129,730	-175,878	899	7,543
Other Non-Interest Income	3,804,384	3,570,673	3,546,692	3,271,126	2,877,960	2,694,167
Total Non-Interest Income	4,105,882	3,818,640	3,676,422	3,095,248	3,075,655	2,726,950
Non-Interest Income Growth (YoY)	9.61%	3.87%	18.78%	0.64%	12.79%	41.30%
Revenues Before Loan Losses	20,000,377	20,569,052	22,160,493	18,057,803	14,891,802	11,223,057
Provision for Loan Losses	3,337,373	4,353,458	4,845,805	1,279,609	1,647,142	947,635
Revenue	16,663,004	16,215,594	17,314,688	16,778,194	13,244,660	10,275,422
Revenue Growth (YoY)	2.78%	-6.35%	3.20%	26.68%	28.90%	36.82%
Salaries and Employee Benefits	2,287,915	4,708,481	4,350,225	4,082,383	3,593,892	3,232,366
Occupancy Expenses	693,898	1,390,001	1,290,219	1,210,368	942,461	702,733
Federal Deposit Insurance	123,429	242,091	203,686	176,203	158,915	130,767
Selling, General & Administrative	393,012	804,696	708,544	669,316	499,743	-
Other Non-Interest Expense	3,717,302	66,023	58,069	58,809	38,637	406,549
Total Non-Interest Expense	7,215,556	7,211,292	6,610,743	6,197,079	5,233,648	4,472,415
EBT Excluding Unusual Items	9,447,448	9,004,302	10,703,945	10,581,115	8,011,012	5,803,007
Pretax Income	9,447,448	9,004,302	10,703,945	10,581,115	8,011,012	5,803,007
Income Tax Expense	1,888,810	1,799,832	2,140,892	2,112,348	1,601,262	1,160,673
Net Income	7,558,638	7,204,470	8,563,053	8,468,767	6,409,750	4,642,334
Preferred Dividends & Other Adjustments	-50,000	100,000	110,717	100,000	92,954	98,164
Net Income to Common	7,608,638	7,104,470	8,452,336	8,368,767	6,316,796	4,544,170
Net Income Growth	5.19%	-15.87%	1.11%	32.12%	38.07%	42.12%
Basic Shares Outstanding	3,403	3,396	3,396	3,384	3,373	3,356
Diluted Shares Outstanding	3,403	3,396	3,396	3,384	3,373	3,356
Shares Change (YoY)	0.20%	-	0.37%	0.30%	0.52%	-
EPS (Basic)	2236.14	2091.88	2488.76	2473.34	1872.50	1354.06
EPS (Diluted)	2236.14	2091.88	2488.76	2473.34	1872.50	1354.06
EPS Growth	7.93%	-15.95%	0.62%	32.09%	38.29%	42.02%
Dividend Per Share	614.035	614.035	937.172	312.391	-	-
Dividend Growth	26.00%	-34.48%	200.00%	-	-	-
Effective Tax Rate	19.99%	19.99%	20.00%	19.96%	19.99%	20.00%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.