HOSE: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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 13, 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
Market Capitalization	59,910,500	60,421,101	58,689,018	49,721,597	40,045,922	73,463,914
Market Cap Growth	0.30%	2.95%	18.04%	24.16%	-45.49%	104.38%
Last Close Price	17600.00	17750.00	16621.49	13342.01	10078.48	18585.27
PE Ratio	8.22	8.29	8.32	5.88	4.79	11.63
PS Ratio	3.62	3.65	3.62	2.87	2.39	5.55
PB Ratio	1.28	1.29	1.40	1.31	1.23	3.02
Debt / Equity Ratio	1.83	1.83	1.69	1.26	1.75	2.83
Net Debt / Equity Ratio	0.48	0.48	0.44	-0.28	0.86	2.29
Net Debt / FCF Ratio	-0.57	-0.57	-0.28	0.30	-0.89	-1.55
Return on Equity (ROE)	16.41%	16.41%	18.06%	24.26%	29.74%	30.33%
Return on Assets (ROA)	1.39%	1.39%	1.60%	2.27%	2.60%	2.31%
Earnings Yield	12.16%	12.06%	12.28%	17.22%	21.15%	8.72%
FCF Yield	-66.55%	-65.99%	-112.47%	-69.05%	-78.89%	-48.84%
Dividend Yield	3.46%	-	3.69%	7.02%	3.10%	-
Payout Ratio	28.62%	28.62%	44.01%	36.92%	-	-
Buyback Yield / Dilution	-	-	-0.23%	-0.37%	-0.30%	-0.52%
Total Shareholder Return	3.46%	-	3.46%	6.65%	2.80%	-0.52%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.