VIB Ratios and Metrics

Market cap in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Oct '24 Oct 1, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Market Capitalization	57,348,210	49,721,428	40,045,786	73,463,664	35,944,166	-	Upgrade
Market Cap Growth	7.19%	24.16%	-45.49%	104.38%	-	-	Upgrade
Last Close Price	19250.00	15813.11	11945.14	22027.50	10777.57	-	Upgrade
PE Ratio	7.48	5.55	4.24	10.32	6.98	-	Upgrade
PS Ratio	3.39	2.87	2.39	5.55	3.50	-	Upgrade
PB Ratio	1.49	1.31	1.23	3.02	2.00	-	Upgrade
P/FCF Ratio	-1.19	-1.45	-1.27	-2.05	-0.96	-	Upgrade
P/OCF Ratio	-1.19	-1.46	-1.28	-2.07	-0.96	-	Upgrade
Debt / Equity Ratio	1.00	1.26	1.75	2.83	2.46	2.25	Upgrade
Debt / FCF Ratio	-0.85	-1.39	-1.80	-1.92	-1.18	-1.31	Upgrade
Return on Equity (ROE)	21.40%	24.26%	29.75%	30.33%	29.57%	27.14%	Upgrade
Return on Assets (ROA)	1.91%	2.28%	2.60%	2.31%	2.16%	2.02%	Upgrade
Earnings Yield	13.36%	17.22%	21.15%	8.73%	12.92%	-	Upgrade
FCF Yield	-78.37%	-69.05%	-78.89%	-48.84%	-104.28%	-	Upgrade
Dividend Yield	5.25%	-	2.98%	-	-	-	Upgrade
Payout Ratio	41.00%	36.92%	-	-	-	13.18%	Upgrade
Buyback Yield / Dilution	-	-0.30%	-0.52%	-	-66.71%	Upgrade
Total Shareholder Return	5.25%	-	2.68%	-0.52%	-	-66.71%	Upgrade

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