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 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Dec '25 Dec 3, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2015
Market Capitalization	63,484,706	58,689,018	49,721,597	40,045,922	73,463,914	35,944,289	Upgrade
Market Cap Growth	18.06%	18.04%	24.16%	-45.49%	104.38%	-	Upgrade
Last Close Price	18650.00	16621.49	13342.01	10078.48	18585.27	9093.37	Upgrade
PE Ratio	8.32	8.26	5.88	4.79	11.63	7.91	Upgrade
PS Ratio	3.81	3.62	2.87	2.39	5.55	3.50	Upgrade
PB Ratio	1.40	1.40	1.31	1.23	3.02	2.00	Upgrade
Debt / Equity Ratio	1.82	1.69	1.26	1.75	2.83	2.46	Upgrade
Return on Equity (ROE)	17.74%	18.06%	24.26%	29.74%	30.33%	29.57%	Upgrade
Return on Assets (ROA)	1.53%	1.60%	2.27%	2.60%	2.31%	2.16%	Upgrade
Earnings Yield	11.98%	12.28%	17.22%	21.15%	8.72%	12.91%	Upgrade
FCF Yield	-112.07%	-112.47%	-69.05%	-78.89%	-48.84%	-104.28%	Upgrade
Dividend Yield	3.29%	3.69%	7.02%	3.10%	-	-	Upgrade
Payout Ratio	27.59%	44.01%	36.92%	-	-	-	Upgrade
Buyback Yield / Dilution	0.17%	-	-0.37%	-0.30%	-0.52%	-	Upgrade
Total Shareholder Return	3.42%	3.69%	6.65%	2.80%	-0.52%	-	Upgrade

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