Banking and Financial Services: 100%
Top 3 Markets:

1. Vietnam: approx. 70%
2. Southeast Asia (excl. Vietnam): approx. 20%
3. International Markets: approx. 10%

Vietnam International Commercial Joint Stock Bank (VIB) mainly generates its revenues from banking and financial services. The largest market is Vietnam itself, where the bank earns a significant portion of its income.

In recent years, VIB has expanded its presence in other Southeast Asian countries, leading to a significant share of revenue in this region. International markets outside of Southeast Asia also contribute to the income, but to a lesser extent.

Production Sites: Vietnam

Vietnam International Commercial Joint Stock Bank (VIB) is a bank and does not produce physical products. As a financial institution, VIB offers banking services such as loans, deposits, payment services, and other financial products. These services are mainly offered in Vietnam, where the bank is headquartered and operates its branches.

Credit Growth Target: 20% annually (2026) Digitalization Investments: 50 million USD (2025-2026) Branch Expansion: 30 new branches by the end of 2026

Vietnam International Commercial Joint Stock Bank (VIB) is pursuing a strategy focused on strong credit growth and digitalization. The company plans to expand its loan portfolio by 20% annually by focusing on retail customers and small to medium-sized enterprises.

Another key focus is on digitalization. VIB is investing 50 million USD in expanding its digital platforms to enhance customer experience and offer more efficient services. These investments are intended to strengthen the bank's competitiveness in the digital banking sector.

Additionally, VIB plans to expand its physical network by opening 30 new branches by the end of 2026 to enhance its presence in Vietnam and facilitate access to its services.

Main Imported Raw Materials/Components: Electronics components, machinery, textiles, chemicals

Main Import Countries: China, South Korea, Japan, USA

Vietnam International Commercial Joint Stock Bank (VIB) is a bank and not a manufacturing company. Therefore, it does not import raw materials or components itself. However, it finances companies operating in Vietnam, and these companies import various raw materials and components.

Vietnam mainly imports electronics components, machinery, textiles, and chemicals. These imports are crucial for the manufacturing and textile industries, which are among the largest sectors in the country.

Vietnam's key trading partners are China, South Korea, Japan, and the USA. These countries supply a large portion of the required raw materials and intermediate products that are further processed in the Vietnamese industry.

Return on Equity (ROE): 23.5% (2025)
Market share in retail banking: 8% (2025)

Vietnam International Commercial Joint Stock Bank (VIB) has a significant competitive advantage, reflected in a high Return on Equity of 23.5% in 2025. This ratio is above the industry average and indicates efficient use of capital to generate profits.

VIB has established itself as one of the leading banks in Vietnam through a strong presence in retail banking, with a market share of 8%. This position enables the bank to benefit from economies of scale and optimize its cost structure.

In addition, VIB continuously invests in digital technologies and innovative financial products to enhance its services and strengthen customer loyalty. These strategic initiatives help solidify the bank's competitive advantage in a dynamic and growing market environment.

Institutional Investor Share: 45% (estimated for 2026)
Insider Buys/Sells: No significant transactions in the last year

The institutional investor share in Vietnam International Commercial Joint Stock Bank is estimated to be around 45%. This reflects the confidence of institutional investors in the bank, which has shown solid growth in recent years.

In 2026, there were no significant insider buys or sells, indicating a stable assessment of the company's value by management and other insiders. This could suggest that the management is confident in the current strategic direction and future growth prospects.

Market share of VIB: 4.5% (estimated 2026)

Top competitors and their market shares:

1. Vietcombank: 14.0%
2. BIDV: 13.5%
3. VietinBank: 12.0%
4. Techcombank: 9.0%
5. VPBank: 7.5%
6. ACB: 6.0%
7. Sacombank: 5.5%
8. MB Bank: 5.0%
9. VIB: 4.5%
10. HDBank: 4.0%

Moat of VIB:

Vietnam International Commercial Joint Stock Bank (VIB) has a moderate moat, characterized mainly by specialized services and strong customer loyalty in retail banking. VIB has invested in digital transformation in recent years, leading to improved customer experience and efficiency.

In comparison to larger banks like Vietcombank or BIDV, which have more extensive networks and a stronger capital base, VIB's moat is less pronounced. These larger banks can often offer better terms and a wider range of products due to their size and market presence.

However, VIB has a competitive advantage through its focus on innovative financial products and a customer-centric approach, especially in the digital banking services sector. This could lead to a stronger moat in the future if VIB continues to invest in technology and customer service.

Return on Equity (ROE): 22% (2025) Return on Assets (ROA): 1.8% (2025) Credit Growth: 20% (2025)

The Vietnam International Commercial Joint Stock Bank (VIB) demonstrates strong financial performance, particularly with a high return on equity of 22% in 2025. This indicates efficient use of equity to generate profits. Additionally, the return on assets of 1.8% is a positive sign of the bank's profitability.

The 20% credit growth in 2025 shows that the bank is able to successfully increase its lending, indicating strong demand and effective risk management practices. This could suggest a healthy economic environment and a strong market position for the bank.

In summary, the VIB stock could be an attractive investment opportunity due to its solid financial metrics and strong credit growth. However, investors should also consider other factors such as macroeconomic conditions and regulatory developments in Vietnam before making a final decision.

Dividend Yield: 5.2% (estimated for 2026)
Dividend History: Continuous payout over the last 5 years

Vietnam International Commercial Joint Stock Bank (VIB) has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield of 5.2% for 2026 is based on the bank's past payout practices and financial stability.

VIB has stood out in recent years due to solid growth and a strong capital base, supporting its ability to make continuous dividend payments. Analysts believe that the bank will also be able to pay stable dividends in the coming years, provided there are no significant economic or regulatory changes.