Vietnam Export Import Commercial Joint Stock Bank

Vietnam Export Import Commercial Joint Stock Bank

HHOSE:EIB
16,950.00
VND
+100.00
(+0.59%)
39.12TMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1,682.85
1,733.07
2,033.82
2,001.3
2,068.94
2,388.28
2,365.69
2,382.5
2,530.75
3,938.28
3,532.83
4,529.87
3,931.26
- -
Basic EPS, GAAP
351.88
182.98
21.47
165.85
441.73
354.63
464.98
574.52
518.29
1,581.42
1,162.33
1,785.99
610.36
- -
Free Cash Flow per Basic Share
1,979.05
187.74
-15,082.51
750.17
4,246.05
1,702.82
3,199.27
2,193.11
-4,210.62
5,464.31
4,598.37
-6,190.07
7,246.66
1,760.95
Dividend per Share
891.8
263.53
0.05
0.04
0.01
0.01
- -
- -
- -
- -
- -
280.37
- -
- -
Book Value per Share
7,842.19
7,043.25
7,056.67
7,219.7
7,650.66
7,990.14
8,454.92
9,029.44
9,547.72
10,994.51
12,049.54
13,474.6
13,961.48
14,219.95
Tangible Book Value per Share
5,987.49
5,293.64
5,104.91
5,870.38
6,346.65
6,546.71
7,037.72
7,635.49
8,163.21
9,616.15
10,668.87
12,002.87
12,479.03
12,774.52
Basic Weighted Avg Shares
1,872
1,863
1,863
1,863
1,863
1,863
1,863
1,863
1,863
1,863
1,863
1,863
1,863
1,863
Sales/Revenue/Turnover
3,150,242
3,228,915
3,788,472
3,727,905
3,853,887
4,448,749
4,406,670
4,437,980
4,714,116
7,335,945
6,580,668
8,437,884
7,322,834
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
183,951
181,144
177,270
166,208
138,422
137,016
159,402
154,355
144,741
140,056
194,189
249,372
287,611
- -
Net Income, GAAP
658,706
340,912
39,994
308,932
822,830
660,590
866,132
1,070,181
965,437
2,945,752
2,165,099
3,326,804
1,136,939
- -
Effective Tax Rate (%)
20.43
3.59
34.24
20.91
19.14
20.13
20.92
20.11
19.89
20.58
20.39
20.57
24.8
- -
Profit Margin (%)
20.91
10.56
1.06
8.29
21.35
14.85
19.66
24.11
20.48
40.16
32.9
39.43
15.53
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
37,887,034
14,497,452
3,829,932
4,362,000
6,559,190
5,439,670
579,375
693,000
- -
2,471,700
2,000,000
18,466,970
30,140,524
31,487,971
Total Equity
14,680,317
13,119,727
13,144,721
13,448,419
14,251,181
14,883,534
15,749,313
16,819,490
17,784,908
20,479,900
22,444,999
25,099,406
26,006,343
26,487,794
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.25
0.85
0.18
1.78
4.26
3.21
4.73
6.32
5.47
14.46
9.14
9.78
2.28
- -
Return on Common Equity (%)
4.32
2.45
0.3
2.32
5.94
4.53
5.65
6.57
5.58
15.4
10.09
13.99
4.45
- -

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
1,863
1,863
1,863
Market Capitalization
39,675,949
43,960,206
39,117,133

Working Capital

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
50,969,796
42,408,008
40,470,644
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
7.13%
9.19%
3.61%
Free Cash Flow
-63.17%
-197.86%
-217.07%
Net Income, GAAP
103.04%
31.33%
-65.82%
Sales/Revenue/Turnover
8.35%
13.31%
-13.21%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,587,747
1,992,109
2,005,322
3,104,412
8,437,884
2025
1,837,250
2,014,632
- -
1,909,725
7,322,834
2026
1,538,431
1,877,276
- -
- -
- -

Quarterly Earnings Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
283.05
345.11
387.18
770.65
1,785.99
2025
353.51
271.78
- -
-253.65
610.36
2026
144.5
134.48
- -
- -
- -

Quarterly Dividends Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
280.37
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Phm Th Huyn Trang
Full Time Employees
6,141
Sector
Finance
Industry
Major banks
Address
Ho Chi Minh City Vietnam
IPO Date
Oct 27, 2009
Business
Vietnam Export Import Commercial Joint Stock Bank, commonly known as Eximbank, is a Vietnam-based financial institution primarily engaged in the provision of commercial banking, trade finance, and retail financial services. Founded in 1989 and headquartered in Ho Chi Minh City, Vietnam, the bank operates through four primary business segments: Retail Banking, Corporate Banking, Treasury and Financial Markets, and Other Operations. The bank offers a comprehensive portfolio of financial products and services to individual consumers, small and medium-sized enterprises, multinational corporations, and state-owned entities. Its personal banking offerings include demand, savings, term, and foreign currency deposits; consumer credit facilities, such as residential mortgages, automotive financing, personal unsecured loans, and household business production loans; debit, credit, and prepaid cards under international schemes including Visa, Mastercard, and JCB; and bancassurance products, domestic and overseas remittance services, wealth management, and utility payment solutions. Its corporate banking portfolio comprises working capital credit lines, medium- and long-term project loans, syndicated financing, and liquidity management; import and export trade financing solutions, including letters of credit, documentary collections, export factoring, bill discounting, bank guarantees, and shipping guarantees; structured cash management, payroll services, and escrow accounts; and foreign exchange spot, forward, and swap contracts, commodity and interest rate derivatives, and corporate bond investment services. In addition, the bank provides digital banking services through its Eximbank EDigi mobile application, corporate internet banking portals, QR-code merchant payment systems, and open banking application programming interface integrations. Eximbank conducts its operations primarily within Vietnam through an extensive domestic network of branches, transaction offices, automated teller machines, and cash deposit machines spanning key economic regions, including Ho Chi Minh City, Hanoi, Da Nang, Can Tho, and Hai Phong, while maintaining correspondent banking relationships with financial institutions worldwide to support international trade and cross-border payment settlements. In recent developments, Eximbank has executed strategic organizational and operational transformations to strengthen its governance structure, capital base, and market position following major shareholder realignments. The bank has accelerated its digital transformation roadmap by upgrading its core banking technology infrastructure, deploying biometric authentication, and enhancing the omnichannel capabilities of its Eximbank EDigi platform. Operationally, Eximbank has expanded its strategic focus on green finance, environmental, social, and governance-aligned credit frameworks, and specialized credit packages tailored to high-growth export sectors, agriculture, and small- and medium-sized enterprises. Furthermore, the bank has pursued strategic commercial partnerships with leading domestic conglomerates, fintech providers, and international card networks to broaden retail customer acquisition, expand merchant payment acceptance networks, and scale corporate supply chain financing solutions.