Vietnam International Commercial Joint Stock Bank (HOSE:VIB)
Vietnam · Delayed Price · Currency is VND 13,900
+300 (2.21%)
At close: Nov 3, 2026
HOSE:VIB Balance Sheet
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 | 49,237,038 | 63,022,114 | 51,486,912 | 58,063,230 | 28,778,954 | 13,268,865 |
Investment Securities | 55,976,878 | 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 | 55,976,878 | 51,218,988 | 51,235,641 | 61,214,542 | 40,369,135 | 44,806,725 |
Gross Loans | 475,149,851 | 426,917,962 | 379,759,531 | 278,177,455 | 256,786,713 | 217,914,612 |
Allowance for Loan Losses | -5,499,925 | -4,858,855 | -5,693,701 | -4,270,655 | -3,065,525 | -2,401,497 |
Net Loans | 469,649,926 | 422,059,107 | 374,065,830 | 273,906,800 | 253,721,188 | 215,513,115 |
Property, Plant & Equipment | 1,382,114 | 1,433,821 | 1,230,920 | 971,166 | 463,149 | 353,483 |
Other Intangible Assets | 455,020 | 297,944 | 302,063 | 289,458 | 291,920 | 302,113 |
Investments in Real Estate | 2,113 | 2,219 | 2,360 | 2,501 | 2,642 | 2,847 |
Accrued Interest Receivable | 5,245,039 | 3,902,271 | 2,572,270 | 3,663,279 | 2,432,288 | 1,856,781 |
Other Receivables | 5,330,821 | 3,124,775 | 1,205,715 | 2,478,792 | 5,423,269 | 7,514,174 |
Restricted Cash | 8,408,128 | 8,998,068 | 9,909,074 | 8,217,767 | 10,062,633 | 24,890,710 |
Other Current Assets | 2,465,467 | 1,056,181 | 927,811 | 980,772 | 1,219,686 | 977,150 |
Long-Term Deferred Tax Assets | 965 | 965 | 1,002 | - | - | - |
Other Real Estate Owned & Foreclosed | 106,895 | 106,184 | 69,474 | 49,240 | 12,551 | 14,351 |
Other Long-Term Assets | 1,323,437 | 875,804 | 149,298 | 43,826 | 21,510 | 16,815 |
Total Assets | 599,583,841 | 556,098,441 | 493,158,370 | 409,881,373 | 342,798,925 | 309,517,129 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Accrued Expenses | 792,824 | 836,446 | 649,748 | 895,394 | 808,943 | 666,411 |
Interest Bearing Deposits | 429,728,606 | 412,545,945 | 370,822,057 | 311,332,837 | 246,081,651 | 211,584,560 |
Total Deposits | 429,728,606 | 412,545,945 | 370,822,057 | 311,332,837 | 246,081,651 | 211,584,560 |
Short-Term Borrowings | 708,218 | 105,602 | - | - | - | 63,933 |
Current Portion of Long-Term Debt | 19,523,331 | 3,804,006 | 519,947 | 5,900,166 | 9,888,361 | 10,810,441 |
Current Income Taxes Payable | 937,145 | 1,185,100 | 1,309,653 | 1,468,046 | 1,656,035 | 533,220 |
Accrued Interest Payable | 6,841,656 | 3,959,285 | 3,193,184 | 4,023,077 | 3,515,753 | 2,519,800 |
Other Current Liabilities | 1,548,172 | 4,616,561 | 4,317,781 | 6,431,406 | 951,192 | 830,083 |
Long-Term Debt | 89,240,880 | 81,791,490 | 70,021,741 | 41,887,850 | 47,103,279 | 57,933,189 |
Long-Term Unearned Revenue | 9,997 | 54,051 | 2,443 | - | - | - |
Other Long-Term Liabilities | 487,494 | 295,216 | 460,007 | - | - | - |
Total Liabilities | 549,818,323 | 509,193,702 | 451,296,561 | 371,941,786 | 310,147,883 | 285,226,389 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Common Stock | 34,040,057 | 34,040,057 | 29,791,278 | 25,368,075 | 21,076,730 | 15,531,430 |
Additional Paid-In Capital | 1,946 | 1,946 | 1,767 | 1,633 | 1,540 | 1,480 |
Retained Earnings | 12,406,813 | 12,862,736 | 12,068,764 | 12,569,879 | 11,572,772 | 8,757,830 |
Comprehensive Income & Other | 3,316,702 | - | - | - | - | - |
Shareholders' Equity | 49,765,518 | 46,904,739 | 41,861,809 | 37,939,587 | 32,651,042 | 24,290,740 |
Total Liabilities & Equity | 599,583,841 | 556,098,441 | 493,158,370 | 409,881,373 | 342,798,925 | 309,517,129 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Total Debt | 109,472,429 | 85,701,098 | 70,541,688 | 47,788,016 | 56,991,640 | 68,807,563 |
Net Cash (Debt) | -14,949,328 | -22,678,984 | -18,232,904 | 10,431,935 | -28,191,728 | -55,538,698 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -4010.67 | -6084.42 | -4891.61 | 2805.15 | -7609.03 | -15035.10 |
Filing Date Shares Outstanding | 3,735 | 3,727 | 3,719 | 3,705 | 3,694 | 3,675 |
Total Common Shares Outstanding | 3,735 | 3,727 | 3,719 | 3,705 | 3,694 | 3,675 |
Book Value Per Share | 13322.72 | 12583.81 | 11256.67 | 10240.01 | 8839.09 | 6610.12 |
Tangible Book Value | 49,310,498 | 46,606,795 | 41,559,746 | 37,650,129 | 32,359,122 | 23,988,627 |
Tangible Book Value Per Share | 13200.91 | 12503.88 | 11175.44 | 10161.88 | 8760.07 | 6527.91 |