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Vietnam International Commercial Joint Stock Bank (HOSE:VIB)
Vietnam flag Vietnam · Delayed Price · Currency is VND
13,900
+300 (2.21%)
At close: Nov 3, 2026

HOSE:VIB Financials Overview

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
16,973,80116,539,62216,215,59417,314,68816,778,19413,244,660
Revenue Growth
1.86%2.00%-6.35%3.20%26.68%28.90%
Net Income
7,869,4717,285,4307,054,4708,452,3368,368,7676,316,796
Earnings Per Share
2111.261954.571892.612272.842258.751710.05
EPS Growth
6.39%3.27%-16.73%0.62%32.09%38.29%

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
94,523,10163,022,11452,308,78458,219,95128,799,91213,268,865
Total Debt
109,472,42985,701,09870,541,68847,788,01656,991,64068,807,563
Net Cash (Debt)
-14,949,328-22,678,984-18,232,90410,431,935-28,191,728-55,538,698
Net Cash Growth
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Net Cash Per Share
-4010.67-6084.42-4891.612805.15-7609.03-15035.10

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-27,433,677-39,642,324-65,784,413-34,108,376-31,351,288-35,550,325
Capital Expenditures
-401,641-230,834-225,579-223,136-240,718-326,118
Free Cash Flow
-27,835,318-39,873,158-66,009,992-34,331,512-31,592,006-35,876,443
Free Cash Flow Growth
------

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
46.36%44.05%43.50%48.82%49.88%47.69%
FCF Margin
-163.99%-241.08%-407.08%-198.28%-188.29%-270.88%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22
Dividend Per Share
560.763-560.763855.865285.288
Dividend Per Share Growth
46.57%--34.48%200.00%-
Dividend Yield
4.03%-3.55%6.38%2.63%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
6.588.298.325.884.7911.63
Forward PE
5.416.167.395.214.2910.66
PS Ratio
3.063.653.622.872.395.55