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	2020 - 2016
Period Ending	Mar '26 Mar 6, 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	2020 - 2016
Market Capitalization	53,272,689	60,421,101	58,689,018	49,721,597	40,045,922	73,463,914	Upgrade
Market Cap Growth	-12.34%	2.95%	18.04%	24.16%	-45.49%	104.38%	Upgrade
Last Close Price	15650.00	17750.00	16621.49	13342.01	10078.48	18585.27	Upgrade
PE Ratio	7.31	8.29	8.26	5.88	4.79	11.63	Upgrade
PS Ratio	3.22	3.65	3.62	2.87	2.39	5.55	Upgrade
PB Ratio	1.14	1.29	1.40	1.31	1.23	3.02	Upgrade
Debt / Equity Ratio	1.83	1.83	1.69	1.26	1.75	2.83	Upgrade
Net Debt / Equity Ratio	0.48	0.48	0.44	-0.28	0.86	2.29	Upgrade
Net Debt / FCF Ratio	-0.57	-0.57	-0.28	0.30	-0.89	-1.55	Upgrade
Return on Equity (ROE)	16.41%	16.41%	18.06%	24.26%	29.74%	30.33%	Upgrade
Return on Assets (ROA)	1.39%	1.39%	1.60%	2.27%	2.60%	2.31%	Upgrade
Earnings Yield	13.68%	12.06%	12.28%	17.22%	21.15%	8.72%	Upgrade
FCF Yield	-74.85%	-65.99%	-112.47%	-69.05%	-78.89%	-48.84%	Upgrade
Dividend Yield	3.68%	-	3.69%	7.02%	3.10%	-	Upgrade
Payout Ratio	28.62%	28.62%	44.01%	36.92%	-	-	Upgrade
Buyback Yield / Dilution	-0.23%	-0.23%	-	-0.37%	-0.30%	-0.52%	Upgrade
Total Shareholder Return	3.45%	-0.23%	3.69%	6.65%	2.80%	-0.52%	Upgrade

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