Vietnam International Commercial Joint Stock Bank (HOSE: VIB)

VIB Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	41,014,205	58,063,230	28,778,954	13,268,865	4,254,952	4,032,661
Investment Securities	57,979,034	61,057,821	40,348,177	44,806,725	41,445,185	27,947,798
Trading Asset Securities	-	156,721	20,958	-	23,753	-
Total Investments	57,979,034	61,214,542	40,369,135	44,806,725	41,468,938	27,947,798
Gross Loans	340,828,048	278,177,455	256,786,713	217,914,612	171,306,915	130,665,180
Allowance for Loan Losses	-5,403,623	-4,270,655	-3,065,525	-2,401,497	-1,750,033	-1,285,993
Net Loans	335,424,425	273,906,800	253,721,188	215,513,115	169,556,882	129,379,187
Property, Plant & Equipment	903,186	971,166	463,149	353,483	298,601	250,446
Other Intangible Assets	304,490	289,458	291,920	302,113	143,791	136,895
Investments in Real Estate	2,395	2,501	2,642	2,847	2,991	-
Accrued Interest Receivable	2,420,895	3,663,279	2,432,288	1,856,781	1,798,326	1,495,992
Other Receivables	1,270,225	2,478,792	5,423,269	7,514,174	1,775,420	1,595,231
Restricted Cash	4,967,982	8,217,767	10,062,633	24,890,710	24,591,537	19,040,311
Other Current Assets	888,320	980,772	1,219,686	977,150	741,002	592,722
Long-Term Deferred Tax Assets	-	-	-	-	-	162
Other Real Estate Owned & Foreclosed	62,447	49,240	12,551	14,351	27,423	39,708
Other Long-Term Assets	139,990	43,826	21,510	16,815	15,814	20,372
Total Assets	445,377,594	409,881,373	342,798,925	309,517,129	244,675,677	184,531,485
Accounts Payable	-	-	-	-	160,826	94,060
Accrued Expenses	605,100	895,394	808,943	666,411	741,574	615,772
Interest Bearing Deposits	347,307,008	311,332,837	246,081,651	211,584,560	177,235,418	136,531,723
Non-Interest Bearing Deposits	-	-	-	-	-	4,199
Total Deposits	347,307,008	311,332,837	246,081,651	211,584,560	177,235,418	136,535,922
Short-Term Borrowings	262,282	-	-	63,933	-	2,426
Current Portion of Long-Term Debt	5,710	5,900,166	9,888,361	10,810,441	5,179,231	147,713
Current Income Taxes Payable	849,747	1,468,046	1,656,035	533,220	341,438	222,811
Accrued Interest Payable	4,150,170	4,023,077	3,515,753	2,519,800	2,802,393	2,427,462
Other Current Liabilities	5,927,693	6,431,406	951,192	830,083	868,249	513,083
Long-Term Debt	46,326,342	41,887,850	47,103,279	57,933,189	38,990,919	30,064,068
Total Liabilities	405,435,509	371,941,786	310,147,883	285,226,389	226,701,863	171,101,841
Common Stock	29,791,278	25,368,075	21,076,730	15,531,430	11,093,879	9,244,914
Additional Paid-In Capital	1,767	1,633	1,540	1,480	1,350	1,332
Retained Earnings	10,156,768	12,569,879	11,572,772	8,757,830	6,878,585	4,046,462
Comprehensive Income & Other	-7,728	-	-	-	-	136,936
Shareholders' Equity	39,942,085	37,939,587	32,651,042	24,290,740	17,973,814	13,429,644
Total Liabilities & Equity	445,377,594	409,881,373	342,798,925	309,517,129	244,675,677	184,531,485
Total Debt	46,594,334	47,788,016	56,991,640	68,807,563	44,170,150	30,214,207
Net Cash (Debt)	-5,580,129	10,431,935	-28,191,728	-55,538,698	-39,891,445	-26,181,546
Net Cash Per Share	-1880.06	3514.73	-9498.35	-18768.32	-13550.88	-8893.71
Filing Date Shares Outstanding	2,979	2,968	2,959	2,944	2,944	2,944
Total Common Shares Outstanding	2,979	2,968	2,959	2,944	2,944	2,944
Book Value Per Share	13407.31	12782.60	11033.84	8251.41	6105.59	4561.96
Tangible Book Value	39,637,595	37,650,129	32,359,122	23,988,627	17,830,023	13,292,749
Tangible Book Value Per Share	13305.10	12685.08	10935.19	8148.79	6056.75	4515.46

Source: S&P Capital IQ. Banks template. Financial Sources.