Vietnam International Commercial Joint Stock Bank (HOSE:VIB)
Vietnam · Delayed Price · Currency is VND 14,550
-250 (-1.69%)
At close: Aug 13, 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 | Jun '26 Jun 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 | 64,121,183 | 63,022,114 | 51,486,912 | 58,063,230 | 28,778,954 | 13,268,865 |
Investment Securities | 49,345,830 | 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 | 49,345,830 | 51,218,988 | 51,235,641 | 61,214,542 | 40,369,135 | 44,806,725 |
Gross Loans | 453,854,221 | 426,917,962 | 379,759,531 | 278,177,455 | 256,786,713 | 217,914,612 |
Allowance for Loan Losses | -5,063,041 | -4,858,855 | -5,693,701 | -4,270,655 | -3,065,525 | -2,401,497 |
Net Loans | 448,791,180 | 422,059,107 | 374,065,830 | 273,906,800 | 253,721,188 | 215,513,115 |
Property, Plant & Equipment | 1,154,385 | 1,433,821 | 1,230,920 | 971,166 | 463,149 | 353,483 |
Other Intangible Assets | 462,226 | 297,944 | 302,063 | 289,458 | 291,920 | 302,113 |
Investments in Real Estate | 2,149 | 2,219 | 2,360 | 2,501 | 2,642 | 2,847 |
Accrued Interest Receivable | 4,695,670 | 3,902,271 | 2,572,270 | 3,663,279 | 2,432,288 | 1,856,781 |
Other Receivables | 4,469,157 | 3,124,775 | 1,205,715 | 2,478,792 | 5,423,269 | 7,514,174 |
Restricted Cash | 5,125,275 | 8,998,068 | 9,909,074 | 8,217,767 | 10,062,633 | 24,890,710 |
Other Current Assets | 1,480,152 | 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 | 107,399 | 106,184 | 69,474 | 49,240 | 12,551 | 14,351 |
Other Long-Term Assets | 1,242,477 | 875,804 | 149,298 | 43,826 | 21,510 | 16,815 |
Total Assets | 580,998,048 | 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 | Jun '26 Jun 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 | 733,026 | 836,446 | 649,748 | 895,394 | 808,943 | 666,411 |
Interest Bearing Deposits | 421,535,878 | 412,545,945 | 370,822,057 | 311,332,837 | 246,081,651 | 211,584,560 |
Total Deposits | 421,535,878 | 412,545,945 | 370,822,057 | 311,332,837 | 246,081,651 | 211,584,560 |
Short-Term Borrowings | 167,656 | 105,602 | - | - | - | 63,933 |
Current Portion of Long-Term Debt | 13,403,422 | 3,804,006 | 519,947 | 5,900,166 | 9,888,361 | 10,810,441 |
Current Income Taxes Payable | 931,442 | 1,185,100 | 1,309,653 | 1,468,046 | 1,656,035 | 533,220 |
Accrued Interest Payable | 6,498,645 | 3,959,285 | 3,193,184 | 4,023,077 | 3,515,753 | 2,519,800 |
Other Current Liabilities | 2,121,342 | 4,616,561 | 4,317,781 | 6,431,406 | 951,192 | 830,083 |
Long-Term Debt | 87,750,312 | 81,791,490 | 70,021,741 | 41,887,850 | 47,103,279 | 57,933,189 |
Long-Term Unearned Revenue | - | 54,051 | 2,443 | - | - | - |
Other Long-Term Liabilities | - | 295,216 | 460,007 | - | - | - |
Total Liabilities | 533,160,214 | 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 | Jun '26 Jun 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 | 13,795,746 | 12,862,736 | 12,068,764 | 12,569,879 | 11,572,772 | 8,757,830 |
Comprehensive Income & Other | 85 | - | - | - | - | - |
Shareholders' Equity | 47,837,834 | 46,904,739 | 41,861,809 | 37,939,587 | 32,651,042 | 24,290,740 |
Total Liabilities & Equity | 580,998,048 | 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 | Jun '26 Jun 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 | 101,321,390 | 85,701,098 | 70,541,688 | 47,788,016 | 56,991,640 | 68,807,563 |
Net Cash (Debt) | -4,320,977 | -22,678,984 | -18,232,904 | 10,431,935 | -28,191,728 | -55,538,698 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -1269.38 | -6662.44 | -5356.31 | 3071.64 | -8331.89 | -16463.44 |
Filing Date Shares Outstanding | 3,404 | 3,404 | 3,396 | 3,384 | 3,373 | 3,356 |
Total Common Shares Outstanding | 3,404 | 3,404 | 3,396 | 3,384 | 3,373 | 3,356 |
Book Value Per Share | 14053.39 | 13779.28 | 12326.05 | 11212.81 | 9678.81 | 7238.08 |
Tangible Book Value | 47,375,608 | 46,606,795 | 41,559,746 | 37,650,129 | 32,359,122 | 23,988,627 |
Tangible Book Value Per Share | 13917.61 | 13691.75 | 12237.11 | 11127.26 | 9592.27 | 7148.06 |