Vietnam International Commercial Joint Stock Bank (HOSE:VIB)

HOSE:VIB Balance Sheet

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
Cash & Equivalents	41,774,210	51,486,912	58,063,230	28,778,954	13,268,865	4,254,952
Investment Securities	53,239,523	50,413,769	61,057,821	40,348,177	44,806,725	41,445,185
Trading Asset Securities	-	821,872	156,721	20,958	-	23,753
Total Investments	53,239,523	51,235,641	61,214,542	40,369,135	44,806,725	41,468,938
Gross Loans	437,659,662	379,759,531	278,177,455	256,786,713	217,914,612	171,306,915
Allowance for Loan Losses	-4,872,681	-5,693,701	-4,270,655	-3,065,525	-2,401,497	-1,750,033
Net Loans	432,786,981	374,065,830	273,906,800	253,721,188	215,513,115	169,556,882
Property, Plant & Equipment	1,516,806	1,059,044	971,166	463,149	353,483	298,601
Other Intangible Assets	295,717	302,063	289,458	291,920	302,113	143,791
Investments in Real Estate	2,254	2,360	2,501	2,642	2,847	2,991
Accrued Interest Receivable	2,869,401	2,572,270	3,663,279	2,432,288	1,856,781	1,798,326
Other Receivables	1,393,388	1,377,591	2,478,792	5,423,269	7,514,174	1,775,420
Restricted Cash	7,924,709	9,909,074	8,217,767	10,062,633	24,890,710	24,591,537
Other Current Assets	1,043,812	927,811	980,772	1,219,686	977,150	741,002
Long-Term Deferred Tax Assets	1,002	1,002	-	-	-	-
Other Real Estate Owned & Foreclosed	126,489	69,474	49,240	12,551	14,351	27,423
Other Long-Term Assets	585,378	149,298	43,826	21,510	16,815	15,814
Total Assets	543,559,670	493,158,370	409,881,373	342,798,925	309,517,129	244,675,677
Accounts Payable	-	-	-	-	-	160,826
Accrued Expenses	483,717	649,748	895,394	808,943	666,411	741,574
Interest Bearing Deposits	404,955,856	370,822,057	311,332,837	246,081,651	211,584,560	177,235,418
Total Deposits	404,955,856	370,822,057	311,332,837	246,081,651	211,584,560	177,235,418
Short-Term Borrowings	364,228	-	-	-	63,933	-
Current Portion of Long-Term Debt	5,303,386	519,947	5,900,166	9,888,361	10,810,441	5,179,231
Current Income Taxes Payable	779,215	1,309,653	1,468,046	1,656,035	533,220	341,438
Accrued Interest Payable	4,426,274	3,193,184	4,023,077	3,515,753	2,519,800	2,802,393
Other Current Liabilities	594,967	4,777,788	6,431,406	951,192	830,083	868,249
Long-Term Debt	76,497,778	70,021,741	41,887,850	47,103,279	57,933,189	38,990,919
Long-Term Unearned Revenue	87,450	-	-	-	-	-
Other Long-Term Liabilities	4,807,034	-	-	-	-	-
Total Liabilities	498,299,905	451,296,561	371,941,786	310,147,883	285,226,389	226,701,863
Common Stock	34,040,057	29,791,278	25,368,075	21,076,730	15,531,430	11,093,879
Additional Paid-In Capital	1,946	1,767	1,633	1,540	1,480	1,350
Retained Earnings	11,220,370	12,068,764	12,569,879	11,572,772	8,757,830	6,878,585
Comprehensive Income & Other	-2,608	-	-	-	-	-
Shareholders' Equity	45,259,765	41,861,809	37,939,587	32,651,042	24,290,740	17,973,814
Total Liabilities & Equity	543,559,670	493,158,370	409,881,373	342,798,925	309,517,129	244,675,677
Total Debt	82,165,392	70,541,688	47,788,016	56,991,640	68,807,563	44,170,150
Net Cash (Debt)	-40,391,182	-18,232,904	10,431,935	-28,191,728	-55,538,698	-39,891,445
Net Cash Per Share	-11893.03	-5368.61	3071.64	-8331.89	-16463.44	-11886.74
Filing Date Shares Outstanding	3,404	3,396	3,384	3,373	3,356	3,356
Total Common Shares Outstanding	3,404	3,396	3,384	3,373	3,356	3,356
Book Value Per Share	13296.03	12326.05	11212.81	9678.81	7238.08	5355.78
Tangible Book Value	44,964,048	41,559,746	37,650,129	32,359,122	23,988,627	17,830,023
Tangible Book Value Per Share	13209.16	12237.11	11127.26	9592.27	7148.06	5312.94

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