Vietnam International Commercial Joint Stock Bank

HOSE:VIB Stock Report

Market Cap: ₫60.5t

Vietnam International Commercial Bank Past Earnings Performance

Past criteria checks 2/6

Vietnam International Commercial Bank has been growing earnings at an average annual rate of 16.1%, while the Banks industry saw earnings growing at 22.1% annually. Revenues have been growing at an average rate of 15% per year. Vietnam International Commercial Bank's return on equity is 17.2%, and it has net margins of 43.8%.

Key information

16.1%

Earnings growth rate

16.6%

EPS growth rate

Banks Industry Growth25.8%
Revenue growth rate15.0%
Return on equity17.2%
Net Margin43.8%
Last Earnings Update31 Dec 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Vietnam International Commercial Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

HOSE:VIB Revenue, expenses and earnings (VND Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 2416,215,5947,104,4706,903,1780
30 Sep 2416,212,5527,085,9176,934,5910
30 Jun 2416,831,8537,633,6476,879,1710
31 Mar 2417,426,3008,309,0858,368,2620
31 Dec 2317,314,6888,452,3366,348,9880
30 Sep 2317,498,0878,766,6136,147,9390
30 Jun 2317,559,2528,853,1176,106,2030
31 Mar 2317,300,7708,690,0254,617,1120
31 Dec 2216,778,1948,368,7675,962,0670
30 Sep 2216,214,8778,289,5525,507,2740
30 Jun 2214,567,2887,164,1983,899,0390
31 Mar 2213,815,0436,686,6725,274,7190
31 Dec 2113,244,6606,316,7965,036,0960
30 Sep 2112,557,1815,601,3744,875,5900
30 Jun 2112,536,7575,828,2054,875,5900
31 Mar 2111,339,3945,037,1815,655,8350
31 Dec 2010,275,4224,544,1703,935,0990
30 Sep 209,352,5944,056,1104,346,8570
30 Jun 208,567,9153,597,2544,954,5070
31 Mar 208,057,3263,478,8662,549,3530
31 Dec 197,510,3653,199,6832,896,6900
30 Sep 197,029,0583,104,4712,025,9590
30 Jun 196,273,1832,685,6261,847,7440
31 Mar 195,797,3102,383,2822,528,7560
31 Dec 185,395,2952,170,5351,698,0050
30 Sep 185,108,8021,937,9991,618,9040
30 Jun 184,690,0711,692,4891,561,5740
31 Mar 184,198,7841,366,8891,302,5250
31 Dec 173,739,5271,105,1681,414,9240
30 Sep 173,224,569733,567812,8960
30 Jun 173,012,177625,449440,7910
31 Mar 172,863,718576,5391,257,9640
31 Dec 162,794,844561,7321,207,7910
30 Sep 162,690,703540,4461,180,1770
30 Jun 162,606,882522,5031,180,1770
31 Mar 162,506,392512,7581,036,9530
31 Dec 152,420,384521,066954,0680
30 Sep 152,503,086649,3121,018,6040
30 Jun 152,459,973643,3581,018,6040
31 Mar 152,356,182606,652920,2870
31 Dec 142,282,067522,670930,0810
30 Sep 141,736,078115,1211,610,5650
30 Jun 141,551,228-11,1452,072,3680
31 Mar 141,505,152-80,78915,5430

Quality Earnings: VIB has high quality earnings.

Growing Profit Margin: VIB's current net profit margins (43.8%) are lower than last year (48.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: VIB's earnings have grown by 16.1% per year over the past 5 years.

Accelerating Growth: VIB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: VIB had negative earnings growth (-15.9%) over the past year, making it difficult to compare to the Banks industry average (19.9%).

Return on Equity

High ROE: VIB's Return on Equity (17.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/03/14 14:54
End of Day Share Price 2025/03/14 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Vietnam International Commercial Joint Stock Bank is covered by 5 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullCredit Suisse
Worawat SaisuphatpholCredit Suisse
Duy NguyenViet Capital Securities Joint Stock Company