Vietnam International Commercial Joint Stock Bank (HOSE:VIB)

HOSE:VIB Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 21, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	53,442,890	60,421,101	58,689,018	49,721,597	40,045,922	73,463,914
Market Cap Growth	2.51%	2.95%	18.04%	24.16%	-45.49%	104.38%
Last Close Price	15700.00	16829.25	15759.28	12649.91	9555.68	17621.20
PE Ratio	7.04	8.29	8.32	5.88	4.79	11.63
PS Ratio	2.92	3.65	3.62	2.87	2.39	5.55
PB Ratio	1.09	1.29	1.40	1.31	1.23	3.02
Debt / Equity Ratio	1.72	1.83	1.69	1.26	1.75	2.83
Net Debt / Equity Ratio	-0.12	0.48	0.44	-0.28	0.86	2.29
Net Debt / FCF Ratio	0.21	-0.57	-0.28	0.30	-0.89	-1.55
Return on Equity (ROE)	16.36%	16.41%	18.06%	24.26%	29.74%	30.33%
Return on Assets (ROA)	1.43%	1.39%	1.60%	2.27%	2.60%	2.31%
Earnings Yield	14.20%	12.06%	12.28%	17.22%	21.15%	8.72%
FCF Yield	-52.24%	-65.99%	-112.47%	-69.05%	-78.89%	-48.84%
Dividend Yield	3.91%	-	3.90%	7.41%	3.27%	-
Payout Ratio	27.47%	28.62%	44.01%	36.92%	-	-
Buyback Yield / Dilution	0.05%	-	-0.23%	-0.37%	-0.30%	-0.52%
Total Shareholder Return	3.96%	-	3.67%	7.04%	2.97%	-0.52%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.