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 Income Statement
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
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 |
Interest Income on Loans | 44,287,213 | 36,324,009 | 32,442,938 | 36,691,187 | 27,509,339 | 20,975,011 |
Interest Paid on Deposits | 26,886,270 | 20,231,849 | 15,692,526 | 18,207,116 | 12,546,784 | 9,158,864 |
Net Interest Income | 17,400,943 | 16,092,160 | 16,750,412 | 18,484,071 | 14,962,555 | 11,816,147 |
Net Interest Income Growth | 10.17% | -3.93% | -9.38% | 23.54% | 26.63% | 39.08% |
Income From Trading Activities | - | - | - | - | - | 196,796 |
Gain (Loss) on Sale of Investments | -233,874 | 79,774 | 247,967 | 129,730 | -175,878 | 899 |
Other Non-Interest Income | 5,443,703 | 3,834,707 | 3,570,673 | 3,546,692 | 3,271,126 | 2,877,960 |
Total Non-Interest Income | 5,209,829 | 3,914,481 | 3,818,640 | 3,676,422 | 3,095,248 | 3,075,655 |
Non-Interest Income Growth | 23.88% | 2.51% | 3.87% | 18.78% | 0.64% | 12.79% |
Revenues Before Loan Losses | 22,610,772 | 20,006,641 | 20,569,052 | 22,160,493 | 18,057,803 | 14,891,802 |
Provision for Loan Losses | 5,636,971 | 3,467,019 | 4,353,458 | 4,845,805 | 1,279,609 | 1,647,142 |
| 16,973,801 | 16,539,622 | 16,215,594 | 17,314,688 | 16,778,194 | 13,244,660 | |
Revenue Growth | 1.86% | 2.00% | -6.35% | 3.20% | 26.68% | 28.90% |
Salaries and Employee Benefits | 4,598,443 | 4,956,379 | 4,708,481 | 4,350,225 | 4,082,383 | 3,593,892 |
Occupancy Expenses | 1,574,145 | 1,354,298 | 1,390,001 | 1,290,219 | 1,210,368 | 942,461 |
Federal Deposit Insurance | 281,495 | 276,353 | 242,091 | 203,686 | 176,203 | 158,915 |
Selling, General & Administrative | 793,078 | 773,775 | 804,696 | 708,544 | 669,316 | 499,743 |
Other Non-Interest Expense | 76,861 | 74,201 | 66,023 | 58,069 | 58,809 | 38,637 |
Total Non-Interest Expense | 7,324,022 | 7,435,006 | 7,211,292 | 6,610,743 | 6,197,079 | 5,233,648 |
EBT Excluding Unusual Items | 9,649,779 | 9,104,616 | 9,004,302 | 10,703,945 | 10,581,115 | 8,011,012 |
Pretax Income | 9,649,779 | 9,104,616 | 9,004,302 | 10,703,945 | 10,581,115 | 8,011,012 |
Income Tax Expense | 1,930,308 | 1,819,186 | 1,799,832 | 2,140,892 | 2,112,348 | 1,601,262 |
Net Income | 7,719,471 | 7,285,430 | 7,204,470 | 8,563,053 | 8,468,767 | 6,409,750 |
Preferred Dividends & Other Adjustments | -150,000 | - | 150,000 | 110,717 | 100,000 | 92,954 |
Net Income to Common | 7,869,471 | 7,285,430 | 7,054,470 | 8,452,336 | 8,368,767 | 6,316,796 |
Net Income Growth | 6.22% | 3.27% | -16.54% | 1.00% | 32.48% | 39.01% |
Basic Shares Outstanding | 3,727 | 3,727 | 3,727 | 3,719 | 3,705 | 3,694 |
Diluted Shares Outstanding | 3,727 | 3,727 | 3,727 | 3,719 | 3,705 | 3,694 |
Shares Change | -0.16% | - | 0.23% | 0.37% | 0.30% | 0.52% |
EPS (Basic) | 2111.26 | 1954.57 | 1892.61 | 2272.84 | 2258.75 | 1710.05 |
EPS (Diluted) | 2111.26 | 1954.57 | 1892.61 | 2272.84 | 2258.75 | 1710.05 |
EPS Growth | 6.39% | 3.27% | -16.73% | 0.62% | 32.09% | 38.29% |
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 |
Dividend Per Share | - | - | 560.763 | 855.865 | 285.288 | - |
Dividend Growth | - | - | -34.48% | 200.00% | - | - |
Effective Tax Rate | 20.00% | 19.98% | 19.99% | 20.00% | 19.96% | 19.99% |