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    Major banks
Joint Stock Commercial Bank for Investment and Development of Vietnam

Joint Stock Commercial Bank for Investment and Development of Vietnam

HHOSE:BID
33,800.00
VND
-300.00
(-0.88%)
308.67TMarket Cap
Nov 04Next Earn
Joint Stock Commercial Bank for Investment and Development of Vietnam
HOSE:BID
(Ho Chi Minh Stock Exchange)

Recent

price

33,800.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
VND
3,374.04
2,587.15
- -
3,389.52
3,839.02
3,901.69
4,550.4
5,734.15
6,443.52
6,655.12
6,109.75
7,642.69
8,794.4
9,517.17
10,160.61
10,329.28
- -
Revenue per Share
110.13
675.81
- -
747.5
917.66
1,100.97
974.68
1,083.65
1,163.56
1,300.82
949.3
1,430.09
2,454.33
2,918.08
3,420.88
3,992.71
- -
Basic EPS, GAAP
1,038.76
-3,036.38
- -
335.63
2,004.69
985.13
1,334.19
5,513.41
3,283.71
5,178.15
-9,358.64
9,209.26
17,835.05
-9,908.37
13,243.05
25,519.45
10,103.22
Free Cash Flow per Basic Share
- -
- -
- -
98.83
443.17
504.14
469.5
406.55
14.79
753
362.14
183.68
40.97
16.24
12.82
433.37
- -
Dividend per Share
4,230.47
4,578.65
6,002.47
5,941.88
6,170.22
6,537.15
6,786.3
7,337.19
8,212.12
10,112.17
10,368.56
11,280.87
13,487.26
15,998.37
18,963.09
22,392.99
24,819.15
Book Value per Share
3,846.34
4,223.32
5,510.07
5,519.46
5,574.25
5,901.73
6,091.98
6,634.9
7,523.36
9,527.31
9,790.54
10,683.39
12,885.31
15,361.32
18,241.11
21,648.87
24,105.78
Tangible Book Value per Share
4,414
4,414
2,663
5,392
5,392
5,720
6,263
6,263
6,263
6,433
7,370
7,370
7,369
7,370
7,370
7,490
7,640
Basic Weighted Avg Shares
14,892,773
11,419,476
- -
18,277,063
20,699,365
22,319,506
28,498,401
35,912,088
40,354,718
42,814,021
45,030,432
56,328,595
64,805,756
70,137,117
74,884,211
77,363,390
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
524,281
396,596
- -
454,074
427,552
611,532
854,142
931,231
978,589
1,023,773
980,093
1,222,703
1,057,839
1,293,399
1,305,764
1,280,491
- -
Depreciation Expense
486,110
2,982,977
- -
4,030,709
4,947,887
6,298,081
6,104,295
6,786,710
7,287,214
8,368,491
6,996,622
10,540,138
18,085,912
21,504,918
25,212,049
29,904,264
- -
Net Income, GAAP
67.58
24.25
- -
23.42
20.83
19.78
19.19
19.84
20.35
20.35
19.97
19.98
19.95
20.34
19.95
19.47
- -
Effective Tax Rate (%)
3.26
26.12
- -
22.05
23.9
28.22
21.42
18.9
18.06
19.55
15.54
18.71
27.91
30.66
33.67
38.65
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
92,001,646
53,555,723
124,876,796
137,463,190
123,420,149
159,049,378
137,356,493
160,363,708
109,421,214
122,937,109
117,522,424
177,085,506
210,465,070
239,956,065
238,224,914
262,942,607
353,388,358
LT Debt
18,879,936
20,359,260
26,703,432
32,292,565
33,606,199
42,335,460
44,114,962
48,834,010
54,489,656
77,652,981
79,646,612
86,329,026
104,118,505
122,866,889
144,984,194
173,552,902
198,778,010
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
0.56
3.23
- -
2.5
3.01
3.47
3.14
3.39
3.8
4.49
3.4
4.45
6.17
6.21
6.63
7.17
- -
Return on Capital (%)
2.98
15.34
- -
13.77
15.15
16.97
14.63
15.34
14.96
13.29
9.27
13.21
19.82
19.79
19.57
19.43
- -
Return on Common Equity (%)

Capital Structure

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7,502
7,778
7,778
Market Capitalization
273,131,063
286,834,658
308,674,860

Working Capital

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
580,030,862
593,489,685
575,447,939
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

VND

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.63%
16.94%
19.7%
Free Cash Flow
-32.22%
-79.63%
95.83%
Net Income, GAAP
19.09%
35.4%
18.61%
Sales/Revenue/Turnover
13.58%
11.69%
3.31%
Total Cash Common Dividend
810.57%
625.55%
3,336.18%

Quarterly Revenue

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17,727,828
21,238,291
17,786,377
28,457,546
74,884,211
2025
18,304,624
22,703,722
- -
31,561,028
77,363,390
2026
21,061,867
24,507,819
- -
- -
- -

Quarterly Earnings Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
788.74
863.82
699
1,069.56
3,420.88
2025
778.52
900.44
- -
1,520.77
3,992.71
2026
874.34
1,047.31
- -
- -
- -

Quarterly Dividends Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
11.65
12.82
2025
- -
- -
- -
- -
433.37
2026
- -
- -
- -
- -
- -
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Business
Joint Stock Commercial Bank for Investment and Development of Vietnam (HOSE: BID), commonly known as BIDV, is a Vietnam-based universal financial institution engaged in the provision of commercial banking, investment banking, and non-banking financial services. Founded in 1957 and headquartered in Hanoi, Vietnam, the bank operates as the country's largest commercial lender by total assets, serving retail individuals, micro-enterprises, small- and medium-sized enterprises (SMEs), large corporate clients, state-owned enterprises, multinational corporations, and institutional investors across domestic and select international markets. The bank conducts its operations through distinct business segments, delivering a comprehensive portfolio of financial products and services. Its retail banking operations offer demand, savings, and fixed-term deposit accounts; consumer credit facilities, including residential mortgage loans, vehicle financing, unsecured personal loans, and overdrafts; payment, debit, and credit cards issued under international and domestic payment schemes; domestic and cross-border funds transfers; bancassurance distribution; and digital retail banking solutions via the BIDV SmartBanking mobile and web platform. Its corporate and institutional banking division provides short-term working capital facilities, syndicated loans, and medium- to long-term project financing; trade finance instruments comprising documentary letters of credit, collection services, and bank guarantees; supply chain financing; cash management, liquidity optimization, and automated payroll services; corporate digital banking through the BIDV iBank platform; and foreign exchange, commodity, and interest rate derivative hedging solutions. In treasury and capital markets, the bank engages in interbank money market transactions, foreign currency trading, fixed-income underwriting, and government bond dealing. Through its subsidiaries and joint ventures, BIDV provides securities brokerage, equity research, and investment banking via BIDV Securities Joint Stock Company (BSC); non-life insurance underwriting via BIDV Insurance Joint Stock Corporation (BIC); life insurance solutions through BIDV MetLife Life Insurance LLC; financial leasing through BIDV-SuMi TRUST Leasing Company Limited (BSL); and distressed asset resolution through BIDV Asset Management Company (BAMC). Geographically, the bank maintains an extensive network of branches and transaction offices across Vietnam, alongside overseas operating units, representative offices, and banking subsidiaries in Laos, Cambodia, Myanmar, Taiwan, and the Czech Republic. In recent developments, BIDV has executed major strategic shifts centered on digital transformation, wealth management expansion, and sustainable green finance. The bank entered into a strategic partnership with Edmond de Rothschild to introduce specialized private banking and tailored wealth management services for ultra-high-net-worth individuals in Vietnam. To advance its environmental, social, and governance (ESG) framework, BIDV has expanded its green credit portfolio by securing significant sustainable financing facilities and climate-focused credit lines from international development partners, including the Agence Française de Développement and the Asian Development Bank, targeted at renewable energy, energy efficiency, and climate transition projects. In addition, building on its core strategic equity partnership with South Korea-based Hana Bank, BIDV has deepened integration across cross-border corporate services and digital platforms, while its securities subsidiary, BSC, completed a strategic alliance and capital enhancement with Hana Securities to expand digital brokerage and regional investment banking capabilities.