Viet Nam International Commercial Joint Stock Bank
HHOSE:VIB14,050.00
VND
-50.00
(-0.35%)
Viet Nam International Commercial Joint Stock Bank
HOSE:VIB
(Ho Chi Minh Stock Exchange)
Recent
price
14,050.00
P/E
ratio
- -
div
yld
- -
ROIC.AI
Capital Structure
VND
•
in mil. unless spec.Working Capital
VND
•
in mil. unless spec.Growth Rates
VND
•
in mil. unless spec.Quarterly Revenue
VND
•
in mil. unless spec.Quarterly Earnings Per Share
VND
•
in mil. unless spec.Quarterly Dividends Per Share
VND
•
in mil. unless spec.- Similar Companies
- Business
- Viet Nam International Commercial Joint Stock Bank (HOSE: VIB) is a Vietnam-based commercial banking institution that provides a comprehensive range of retail, small and medium-sized enterprise (SME), and corporate financial products and services. Founded in 1996 and headquartered in Ho Chi Minh City, Vietnam, the bank operates an extensive nationwide branch and transaction office network across major provinces and municipalities. VIB conducts its operations through three core business segments: Retail Banking, Corporate Banking, and Treasury and Capital Markets. The bank's retail product and service offerings comprise demand and term deposit accounts; consumer lending products, including residential mortgages, auto loans, home construction and renovation loans, and unsecured personal credit lines; a diversified portfolio of payment and credit cards, including customizable cards such as the VIB Super Card, cash-back cards, and travel reward cards; life and general insurance distribution delivered via an exclusive, long-term bancassurance partnership with Prudential Vietnam; and mobile digital banking services delivered through its flagship MyVIB application. Its corporate and SME banking division offers short-, medium-, and long-term credit facilities; supply chain financing; trade finance instruments, including letters of credit, export-import financing, and bank guarantees; cash management, account receivables collection, and payroll solutions; foreign currency risk management; and digital corporate portals, including the VIB Business platform, SoftPOS mobile point-of-sale solutions, and the VIB Corp application. The treasury and capital markets division handles foreign exchange operations, money market placements, government and corporate bond trading, interest rate derivatives, and structured wholesale liquidity solutions. In recent major developments, former long-term strategic shareholder Commonwealth Bank of Australia (CBA) completed the full divestment of its approximate 20 percent equity stake in VIB across multiple market transactions concluded in 2024 and 2025, resulting in a restructured institutional shareholding base. In addition, VIB has expanded its international funding lines through syndicated loan facilities and enhanced trade finance limits with international financial institutions such as the International Finance Corporation (IFC), while continuing to upgrade its digital architecture through the deployment of artificial intelligence capabilities across customer service and transactional platforms.