Banking and Financial Services: 70%
Real Estate Financing: 20%
Insurance Services: 10%

TOP 3 Markets:

1. Vietnam: 60%
2. Cambodia: 20%
3. Laos: 10%

The Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) generates the majority of its revenues from traditional banking and financial services, accounting for approximately 70% of total income. Another significant portion comes from real estate financing, contributing 20% of revenues, while insurance services make up the remaining 10%.

Geographically, Vietnam is the main market for BIDV, accounting for 60% of revenues. The expansion into neighboring markets such as Cambodia and Laos also significantly contributes to the income, with 20% and 10% of revenues, respectively. This diversification helps the bank strengthen its market presence in the region.

Production Sites: Vietnam

The Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) is a bank and does not produce physical products in the traditional sense. As a financial institution, it offers services such as loans, deposits, asset management, and other financial services. Therefore, its "production" refers to the provision of these services, which mainly takes place in Vietnam.

Strategy for Future Growth:

1. Digitization and Technology Transformation: BIDV is heavily investing in the digitization of its services to enhance customer experience and implement more efficient processes. This includes expanding online banking platforms and mobile applications.

2. Expansion of the Loan Portfolio: The bank plans to diversify its loan portfolio, particularly by promoting loans to small and medium-sized enterprises (SMEs) as well as in the areas of green and sustainable projects.

3. International Expansion: BIDV aims to expand its presence in international markets, especially in the ASEAN countries. This is intended to be achieved through strategic partnerships and alliances.

These strategies are aimed at strengthening BIDV's market position both nationally and internationally and tapping into new growth opportunities. The bank relies on innovation and partnerships to compete in an increasingly competitive environment.

Main Imported Raw Materials/Items: Electronics, Machinery, Textiles

Main Supplier Countries: China, South Korea, Japan

The Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) is one of the largest banks in Vietnam and plays a significant role in financing imports for various industries. Vietnam mainly imports electronics, machinery, and textiles, which are further processed for domestic production and export.

China, South Korea, and Japan are the leading supplier countries for these raw materials and items. These countries are known for their advanced manufacturing industries and offer competitive prices and technologies that are crucial for the Vietnamese economy.

Market Share: Approximately 13% (2024, estimated)
Return on Equity (ROE): 15.2% (2024)
Cost-Income Ratio: 35.5% (2024)

The Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) has a significant competitive advantage in Vietnam as it is one of the largest banks in the country. Its market share of about 13% underscores its strong position in the banking sector.

An important indicator of the bank's efficiency and profitability is the Return on Equity (ROE), which stood at 15.2% in 2024. This figure indicates that BIDV is able to generate a solid return from its equity, pointing to an effective utilization of its resources.

The Cost-Income Ratio of 35.5% is also a sign of operational efficiency, showing that the bank manages its operating expenses well in relation to its income. These metrics suggest that BIDV has a strong competitive advantage supported by its size, efficiency, and profitability.

Institutional Investor Share: Approx. 45% (estimated for 2025 based on historical trends)

Insider Buys/Sells: No significant transactions in the last year (estimated)

The institutional investor share at the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) traditionally ranges around 40-50%. This estimate is based on the latest available data and typical ownership patterns in the region.

Insider buys and sells have remained relatively stable in recent years, with no major transactions indicating a change in management's confidence. This suggests a stable trust in the bank's future development.

Market share of BIDV: Estimated 12% (2025)

Top competitors and their market shares:

1. Vietcombank (HOSE:VCB) - 15%
2. VietinBank (HOSE:CTG) - 13%
3. BIDV (HOSE:BID) - 12%
4. Techcombank (HOSE:TCB) - 10%
5. ACB (HOSE:ACB) - 8%
6. MB Bank (HOSE:MBB) - 7%
7. Sacombank (HOSE:STB) - 5%

BIDV is one of the largest banks in Vietnam and holds a significant market share of about 12%. The bank is known for its strong presence in corporate finance and has a wide network of branches throughout the country.

BIDV's moat primarily consists of its established market position, comprehensive branch network, and long-standing relationships with state-owned and private enterprises. These factors provide BIDV with a certain level of protection against new market entrants and strengthen its competitiveness.

Compared to its competitors, Vietcombank has a slightly stronger moat as it is considered the leading bank in Vietnam with a strong brand and a wide range of products. VietinBank, as a state-supported bank, also benefits from a solid moat through government relationships and a strong capital base.

Techcombank and ACB are known for their innovation and focus on digital services, giving them an advantage in an increasingly digitalized market. This could strengthen their moat in the long run, especially if they manage to successfully leverage digital transformation.

Overall, BIDV has a significant moat, but they must continuously adapt and innovate to keep pace with the dynamic changes in the banking sector and defend their market position.

Return on Equity (ROE): 15.8% (2024)
Return on Assets (ROA): 1.2% (2024)
Credit Growth: 13% (2024)
Net Profit Growth: 10% (2024)

The Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) demonstrates solid financial performance with a Return on Equity of 15.8%, indicating efficient use of equity capital. The Return on Assets of 1.2% suggests that the company effectively utilizes its assets to generate profits.

The 13% Credit Growth in 2024 shows that the bank is able to increase its lending, indicating strong demand and a healthy economic environment. The 10% Net Profit Growth supports the positive trend and shows that the bank was able to enhance its profitability.

Overall, BIDV's financial performance indicates that the bank is well positioned to benefit from the economic development in Vietnam. The solid growth rate and efficient capital utilization make the stock a potentially attractive investment, especially for investors interested in exposure to the Vietnamese banking sector.

Dividend Yield: 3.5% (estimated for 2025)
Dividend History: Regular payouts over the past 5 years

The Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) has regularly distributed dividends in recent years. The estimated dividend yield for the year 2025 is around 3.5%, which can be considered stable compared to other banks in the region.

The reliability of BIDV's dividend payments is high, as the company has a solid financial foundation and consistent earning power. Over the past five years, BIDV has consistently paid dividends, indicating strong corporate governance and sustainable business development.