HOSE:VIB Income Statement

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

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Interest Income on Loans	36,324,009	32,442,938	36,691,187	27,509,339	20,975,011
Interest Paid on Deposits	20,231,849	15,692,526	18,207,116	12,546,784	9,158,864
Net Interest Income	16,092,160	16,750,412	18,484,071	14,962,555	11,816,147
Net Interest Income Growth (YoY)	-3.93%	-9.38%	23.54%	26.63%	39.08%
Income From Trading Activities	-	-	-	-	196,796
Gain (Loss) on Sale of Investments	79,774	247,967	129,730	-175,878	899
Other Non-Interest Income	3,834,707	3,570,673	3,546,692	3,271,126	2,877,960
Total Non-Interest Income	3,914,481	3,818,640	3,676,422	3,095,248	3,075,655
Non-Interest Income Growth (YoY)	2.51%	3.87%	18.78%	0.64%	12.79%
Revenues Before Loan Losses	20,006,641	20,569,052	22,160,493	18,057,803	14,891,802
Provision for Loan Losses	3,467,019	4,353,458	4,845,805	1,279,609	1,647,142
Revenue	16,539,622	16,215,594	17,314,688	16,778,194	13,244,660
Revenue Growth (YoY)	2.00%	-6.35%	3.20%	26.68%	28.90%
Salaries and Employee Benefits	4,956,379	4,708,481	4,350,225	4,082,383	3,593,892
Occupancy Expenses	1,354,298	1,390,001	1,290,219	1,210,368	942,461
Federal Deposit Insurance	276,353	242,091	203,686	176,203	158,915
Selling, General & Administrative	773,775	804,696	708,544	669,316	499,743
Other Non-Interest Expense	74,201	66,023	58,069	58,809	38,637
Total Non-Interest Expense	7,435,006	7,211,292	6,610,743	6,197,079	5,233,648
EBT Excluding Unusual Items	9,104,616	9,004,302	10,703,945	10,581,115	8,011,012
Pretax Income	9,104,616	9,004,302	10,703,945	10,581,115	8,011,012
Income Tax Expense	1,819,186	1,799,832	2,140,892	2,112,348	1,601,262
Net Income	7,285,430	7,204,470	8,563,053	8,468,767	6,409,750
Preferred Dividends & Other Adjustments	-	150,000	110,717	100,000	92,954
Net Income to Common	7,285,430	7,054,470	8,452,336	8,368,767	6,316,796
Net Income Growth	1.12%	-15.87%	1.11%	32.12%	38.07%
Basic Shares Outstanding	3,404	3,404	3,396	3,384	3,373
Diluted Shares Outstanding	3,404	3,404	3,396	3,384	3,373
Shares Change (YoY)	-	0.23%	0.37%	0.30%	0.52%
EPS (Basic)	2140.25	2072.40	2488.76	2473.34	1872.50
EPS (Diluted)	2140.25	2072.40	2488.76	2473.34	1872.50
EPS Growth	3.27%	-16.73%	0.62%	32.09%	38.29%
Dividend Per Share	-	614.035	937.172	312.391	-
Dividend Growth	-	-34.48%	200.00%	-	-
Effective Tax Rate	19.98%	19.99%	20.00%	19.96%	19.99%

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