HOSE:VIB Balance Sheet

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
Cash & Equivalents	63,022,114	51,486,912	58,063,230	28,778,954	13,268,865
Investment Securities	51,218,988	50,413,769	61,057,821	40,348,177	44,806,725
Trading Asset Securities	-	821,872	156,721	20,958	-
Total Investments	51,218,988	51,235,641	61,214,542	40,369,135	44,806,725
Gross Loans	426,917,962	379,759,531	278,177,455	256,786,713	217,914,612
Allowance for Loan Losses	-4,858,855	-5,693,701	-4,270,655	-3,065,525	-2,401,497
Net Loans	422,059,107	374,065,830	273,906,800	253,721,188	215,513,115
Property, Plant & Equipment	1,428,899	1,059,044	971,166	463,149	353,483
Other Intangible Assets	297,944	302,063	289,458	291,920	302,113
Investments in Real Estate	2,219	2,360	2,501	2,642	2,847
Accrued Interest Receivable	3,902,271	2,572,270	3,663,279	2,432,288	1,856,781
Other Receivables	3,129,697	1,377,591	2,478,792	5,423,269	7,514,174
Restricted Cash	8,998,068	9,909,074	8,217,767	10,062,633	24,890,710
Other Current Assets	1,056,181	927,811	980,772	1,219,686	977,150
Long-Term Deferred Tax Assets	965	1,002	-	-	-
Other Real Estate Owned & Foreclosed	106,184	69,474	49,240	12,551	14,351
Other Long-Term Assets	875,804	149,298	43,826	21,510	16,815
Total Assets	556,098,441	493,158,370	409,881,373	342,798,925	309,517,129
Accrued Expenses	836,446	649,748	895,394	808,943	666,411
Interest Bearing Deposits	412,545,945	370,822,057	311,332,837	246,081,651	211,584,560
Total Deposits	412,545,945	370,822,057	311,332,837	246,081,651	211,584,560
Short-Term Borrowings	105,602	-	-	-	63,933
Current Portion of Long-Term Debt	3,804,006	519,947	5,900,166	9,888,361	10,810,441
Current Income Taxes Payable	1,185,100	1,309,653	1,468,046	1,656,035	533,220
Accrued Interest Payable	3,959,285	3,193,184	4,023,077	3,515,753	2,519,800
Other Current Liabilities	4,911,777	4,777,788	6,431,406	951,192	830,083
Long-Term Debt	81,791,490	70,021,741	41,887,850	47,103,279	57,933,189
Total Liabilities	509,193,702	451,296,561	371,941,786	310,147,883	285,226,389
Common Stock	34,040,057	29,791,278	25,368,075	21,076,730	15,531,430
Additional Paid-In Capital	1,946	1,767	1,633	1,540	1,480
Retained Earnings	12,862,736	12,068,764	12,569,879	11,572,772	8,757,830
Shareholders' Equity	46,904,739	41,861,809	37,939,587	32,651,042	24,290,740
Total Liabilities & Equity	556,098,441	493,158,370	409,881,373	342,798,925	309,517,129
Total Debt	85,701,098	70,541,688	47,788,016	56,991,640	68,807,563
Net Cash (Debt)	-22,678,984	-18,232,904	10,431,935	-28,191,728	-55,538,698
Net Cash Per Share	-6662.44	-5368.61	3071.64	-8331.89	-16463.44
Filing Date Shares Outstanding	3,404	3,396	3,384	3,373	3,356
Total Common Shares Outstanding	3,404	3,396	3,384	3,373	3,356
Book Value Per Share	13779.28	12326.05	11212.81	9678.81	7238.08
Tangible Book Value	46,606,795	41,559,746	37,650,129	32,359,122	23,988,627
Tangible Book Value Per Share	13691.75	12237.11	11127.26	9592.27	7148.06

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