1. Vietnam Stocks

  2. •

    Finance

  3. •

    Major banks
Orient Commercial Joint Stock Bank

Orient Commercial Joint Stock Bank

HHOSE:OCB
10,800.00
VND
+450.00
(+4.35%)
33.69TMarket Cap
Dec 02Next Earn
Orient Commercial Joint Stock Bank
HOSE:OCB
(Ho Chi Minh Stock Exchange)

Recent

price

10,800.00

P/E

ratio

- -

div

yld

0.01%

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
VND
2,400.29
2,588.93
2,921.5
2,691.54
2,940.24
3,237.06
3,468.36
- -
Revenue per Share
964.39
1,154.21
1,438.35
1,146.03
1,078.63
1,036.22
1,309.41
- -
Basic EPS, GAAP
844.12
206.77
1,773.37
-1,584.64
5,307.29
654.63
5,413.52
- -
Free Cash Flow per Basic Share
0.07
0.01
0.1
- -
- -
0.01
559.69
0.56
Dividend per Share
3,757.42
5,693.17
7,119.98
8,252.13
9,317.75
10,341.53
11,077.41
11,696.9
Book Value per Share
3,666.31
5,603.97
7,031.95
8,152.63
9,224.68
10,247.1
10,948.16
11,573.98
Tangible Book Value per Share
2,678
3,063
3,063
3,063
3,063
3,063
3,063
3,063
Basic Weighted Avg Shares
6,426,942
7,928,638
8,947,114
8,242,866
9,004,512
9,913,518
10,621,889
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
83,090
92,270
97,024
98,438
103,741
121,560
172,594
- -
Depreciation Expense
2,582,236
3,534,772
4,404,959
3,509,717
3,303,303
3,173,423
4,010,081
- -
Net Income, GAAP
20.08
20.02
20.18
20.04
20.2
20.79
20.16
- -
Effective Tax Rate (%)
40.18
44.58
49.23
42.58
36.68
32.01
37.75
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
21,067,940
27,438,365
39,596,340
37,763,016
45,978,755
51,162,825
70,928,779
76,501,291
LT Debt
11,507,150
17,435,383
21,805,009
25,272,239
28,535,703
31,671,045
33,924,678
35,821,889
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
9.13
8.29
5.64
4.8
4.03
4.27
- -
Return on Capital (%)
- -
24.43
22.45
14.91
12.28
10.54
12.23
- -
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
3,063
3,063
3,063
Market Capitalization
31,823,475
29,693,033
33,687,611

Working Capital

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
57,060,628
70,179,232
62,274,817
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
- -
14.4%
7.12%
Free Cash Flow
- -
154.53%
726.96%
Net Income, GAAP
- -
4.17%
26.36%
Sales/Revenue/Turnover
- -
6.29%
7.15%
Total Cash Common Dividend
- -
1,214,930.48%
6,072,689.74%

Quarterly Revenue

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,899,979
2,331,823
2,331,446
3,260,458
9,913,518
2025
2,289,709
2,672,234
- -
3,946,471
10,621,889
2026
2,739,228
3,221,563
- -
- -
- -

Quarterly Earnings Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
295.49
234.11
113.37
377.36
1,036.22
2025
233.04
258.92
- -
423.03
1,309.41
2026
318.26
317.69
- -
- -
- -

Quarterly Dividends Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.01
2025
- -
- -
- -
0.41
559.69
2026
0.08
0.07
- -
- -
- -
Similar Companies
HDFC Bank Limited (NSE:HDFCBANK)
Bank of America Corporation (NYSE:BAC)
JP Morgan Chase & Co. (NYSE:JPM)
Axis Bank Limited (NSE:AXISBANK)
Kotak Mahindra Bank Limited (NSE:KOTAKBANK)
Banco Santander, S.A. (BME:SAN)
Business
Orient Commercial Joint Stock Bank is a Vietnam-based commercial banking institution that provides a comprehensive range of retail, corporate, and digital banking services to individual, small and medium-sized enterprise, and institutional clients. The bank operates through multiple core business segments, offering retail banking products comprising demand and term deposits, savings certificates, residential mortgages, auto loans, unsecured consumer credit, international credit and debit card issuance, domestic and cross-border money transfers, bancassurance, and wealth management solutions; corporate banking services including short-term working capital financing, medium- and long-term project loans, syndicated facilities, trade finance instruments such as letters of credit and performance guarantees, documentary collections, supply chain finance, cash management, payroll processing, and green credit facilities; and treasury operations encompassing foreign exchange trading, currency and interest rate derivatives, money market instruments, and government bond investments. The bank delivers its solutions through a nationwide network of branches and transaction offices across key economic centers in Vietnam, supplemented by point-of-sale terminals and its proprietary digital platforms. Founded in 1996, Orient Commercial Joint Stock Bank is headquartered in Ho Chi Minh City, Vietnam, and maintains a strategic equity partnership with Japan-based Aozora Bank. In recent developments, the bank launched its upgraded OCB OMNI 4.0 digital banking platform integrating artificial intelligence and biometric security; expanded its sustainable finance and ESG-linked credit portfolios in collaboration with international development finance institutions; increased its charter capital to strengthen capital adequacy ratios in alignment with advanced Basel standards; and enhanced its cross-border banking solutions to serve Japanese and regional foreign direct investment enterprises expanding operations in Vietnam.