VPB

BankBanking

Vietnam Prosperity Joint Stock Commercial Bank (VPBank)

Original Name: Ngân hàng Thương mại Cổ phần Việt Nam Thịnh Vượng

Reference Price26.650 ₫

Interactive Stock Chart

Exchange Ticker: VPB

Listing Information

Exchange MarketHOSE

Live SectorBanking

First Trading Date17/08/2017

First Close Price₫39,000

Capital Structure

Charter Capital79,339.24 Billion VND

Listed Shares7,933,923,601

Outstanding Shares7,933,923,601

Treasury Shares-

Professional Advisors & Auditors

Independent Auditing History

Fiscal Year	Auditing Organization
2025	EY Vietnam Co., Ltd.
2024	EY Vietnam Co., Ltd.
2023	EY Vietnam Co., Ltd.
2022	EY Vietnam Co., Ltd.
2020	KPMG Vietnam Co., Ltd.
2019	EY Vietnam Co., Ltd.
2018	EY Vietnam Co., Ltd.
2017	EY Vietnam Co., Ltd.

IPO & Listing Consultant

Securities Bản Việt JSCListing Ticker Symbol: VCI

Detailed Corporate Timeline & Sectors

Introduction to VPBank:

As one of the earliest joint stock commercial banks established in Vietnam, VPBank has had a history of sustainable development for 30 years. VPBank is currently one of the leading commercial banks in Vietnam in terms of efficiency and business profits. The bank has a strong presence in the retail and SME segments. At the same time, VPBank is also a pioneer in digital transformation to bring customers the best and fastest financial products and services.

By December 31, 2022, VPBank's total assets reached approximately 27 billion USD. The bank has 251 branches across the country. As one of the banks with the strongest capital foundation in Vietnam, with a CAR coefficient of approximately 15%, VPBank not only exceeds capital adequacy regulations but also significantly strengthens its financial balance sheet, creating strong growth potential in the future.

Establishment History:

Vietnam Joint Stock Commercial Bank for Non-State-owned Enterprises (VPBANK) was established under Operation License No. 0042/NH-GP issued by the Governor of the State Bank of Vietnam on August 12, 1993
On July 27, 2010, VPBank changed its name to Vietnam Prosperity Joint Stock Commercial Bank
On August 20, 2013, VPBank received a certificate of merit from the Governor of the State Bank of Vietnam recognizing outstanding achievements, contributing to completing the banking tasks in 2011 - 2012
On August 17, 2017, 1.33 billion VPBank shares (code VPB) officially traded on HOSE
On October 21, 2018, VPBank co-organized the Hanoi International Heritage Marathon with a run through Hanoi heritage sites
On February 1, 2019, VPBank was the first and only Vietnamese private bank to be honored in the Top 500 Most Valuable Banking Brands globally
In April 2019, VPBank officially applied Basel II standards
In April 2021, VPBank signed an agreement to sell 49% of charter capital at FE Credit to Japan's SMBC Group
On March 27, 2023, VPBank reached an agreement to sell 15% of charter capital to SMBC Bank of Japan

Activity network:

VPBank has a total of 260 Branches and Transaction Offices nationwide:

In Hanoi: 1 Head office, 259 branches and transaction offices

Other provinces and cities in the North (Bac Ninh, Bac Giang, Vinh Phuc, Thai Nguyen, Phu Tho, Hai Duong, Hai Phong, Quang Ninh, Nam Dinh, Hoa Binh, Thai Binh): 122 Branches and Transaction Offices.

Central region (Thanh Hoa, Nghe An, Ha Tinh, Quang Binh, Quang Tri, Hue, Da Nang, Binh Dinh, Binh Thuan): 49 Branches and Transaction Offices.

Southern region (Ho Chi Minh City, Dong Nai, Long An, Can Tho, Dong Thap, Vinh Long, An Giang, Kien Giang): 79 Branches and Transaction Offices.

Main products and services:

Mobilizing capital (receiving deposits from customers) in VND, foreign currency and gold
Using capital (credit provision, capital contribution, joint venture) in VND and foreign currency
Intermediary services (making domestic and foreign payments, performing treasury services, remittances and quick money transfers via banks
Foreign currency trading
Issuing and paying credit and debit cards....

Address: No. 89 Lang Ha, Dong Da Ward, Hanoi City

Phone: 84-(4) 3928 8869 - Fax: 84-(4) 3928 8867

Disclosure Officer:

Email: [email protected]

Website: https://www.vpbank.com.vn/

Ratio / Financial Indicator	2022	2023	2024	2025
Earnings Per Share (EPS)	₫2,131	₫1,071	₫2,015	₫3,070
Price-to-Earnings (P/E)	12.50x	24.89x	13.23x	8.68x
Book Value Per Share (BVPS)	₫79,534	₫103,047	₫116,443	₫158,831
Price-to-Book (P/B)	0.34x	0.26x	0.23x	0.17x
Return on Equity (ROE)	2.68%	1.04%	1.73%	1.93%
Return on Assets (ROA)	2.68%	1.04%	1.73%	1.93%
Net Profit Margin	41.22%	22.25%	32.57%	41.52%
Debt-to-Equity Ratio	0.00	0.00	0.00	0.00
Current Ratio	-	-	-	-

Audited Financial Statements

Source: KB Securities (KBS) Datafeed • Updated dynamically

Show absolute values (VND)

Thu nhập lãi thuầnNet interest income

+43.0% YoY

Lợi nhuận sau thuế (XI-XII)Net profit after tax

+44.0% YoY

TỔNG CỘNG TÀI SẢNTOTAL ASSETS

+99.7% YoY

Financial Indicator (VND)	2025	2024	2023	2022
1. Thu nhập lãi và các khoản thu nhập tương tự1. Interest income and similar income	101,258,954,000,000	80,111,645,000,000	76,557,377,000,000	62,200,250,000,000
2. Chi phí lãi và các chi phí tương tự2. Interest expense and similar expenses	42,596,241,000,000	31,031,238,000,000	38,382,701,000,000	21,179,192,000,000
I. Thu nhập lãi thuầnI. Net interest income	58,662,713,000,000	49,080,407,000,000	38,174,676,000,000	41,021,058,000,000
3. Thu nhập từ hoạt động dịch vụ3. Fee and commission income	15,030,415,000,000	13,201,660,000,000	12,307,787,000,000	10,455,695,000,000
4. Chi phí hoạt động dịch vụ4. Fee and commission expenses	7,648,752,000,000	7,075,337,000,000	5,095,905,000,000	4,017,943,000,000
II. Lãi/lỗ thuần từ hoạt động dịch vụII. Net fee and commission income	7,381,663,000,000	6,126,323,000,000	7,211,882,000,000	6,437,752,000,000
III. Lãi/lỗ thuần từ hoạt động kinh doanh ngoại hối và vàngIII. Net gain/(loss) from foreign currencies and gold trading	297,016,000,000	827,240,000,000	-805,973,000,000	-618,050,000,000
IV. Lãi/lỗ thuần từ mua bán chứng khoán kinh doanhIV. Net gain/(loss) from trading securities	1,566,648,000,000	360,956,000,000	380,173,000,000	-149,194,000,000
V. Lãi/lỗ thuần từ mua bán chứng khoán đầu tưV. Net gain/(loss) from investment securities	4,456,000,000	469,667,000,000	250,032,000,000	508,755,000,000
5. Thu nhập từ hoạt động khác5. Other income	10,875,443,000,000	9,559,809,000,000	7,774,012,000,000	13,017,039,000,000
6. Chi phí hoạt động khác6. Other expenses	4,169,283,000,000	4,182,147,000,000	3,248,461,000,000	2,433,072,000,000
VI. Lãi/lỗ thuần từ hoạt động khácVI. Net other income	6,706,160,000,000	5,377,662,000,000	4,525,551,000,000	10,583,967,000,000
VII. Thu nhập từ góp vốn, mua cổ phầnVII. Income from capital contribution and long-term investments	35,161,000,000	12,801,000,000	3,147,000,000	12,801,000,000
VIII. Chi phí hoạt độngVIII. Operating expenses	18,630,319,000,000	14,339,732,000,000	13,941,218,000,000	14,115,731,000,000
IX. Lợi nhuận thuần từ hoạt động kinh doanh trước chi phí dự phòng rủi ro tín dụng (I+II+III+IV+V+VI+VII-VIII)IX. Operating profit before provision for credit losses	56,023,498,000,000	47,915,324,000,000	35,798,270,000,000	43,681,358,000,000
X. Chi phí dự phòng rủi ro tín dụngX. Provision for credit losses	25,398,549,000,000	27,902,624,000,000	24,994,374,000,000	22,461,226,000,000
XI. Tổng lợi nhuận trước thuế (IX-X)XI. Profit before tax	30,624,949,000,000	20,012,700,000,000	10,803,896,000,000	21,220,132,000,000
7. Chi phí thuế TNDN hiện hành7. Current corporate income tax expenses	6,170,628,000,000	3,962,779,000,000	2,984,015,000,000	4,859,848,000,000
8. Chi phí thuế TNDN hoãn lại8. Deferred income tax expenses (*)	99,725,000,000	63,095,000,000	-674,290,000,000	-548,523,000,000
XII. Chi phí thuế TNDNXII. Corporate income tax	6,270,353,000,000	4,025,874,000,000	2,309,725,000,000	4,311,325,000,000
XIII. Lợi nhuận sau thuế (XI-XII)XIII. Net profit after tax	24,354,596,000,000	15,986,826,000,000	8,494,171,000,000	16,908,807,000,000
XIV. Lợi ích của cổ đông thiểu sốXIV. Minority interest	364,666,000,000	208,031,000,000	-1,479,768,000,000	-1,259,161,000,000
XV. Lợi nhuận sau thuế của cổ đông của Ngân hàng mẹ (XIII-XIV)XV. Net profit atttributable to the equity holders of the Bank	23,989,930,000,000	15,778,795,000,000	9,973,939,000,000	18,167,968,000,000
Lãi cơ bản trên cổ phiếu (BCTC) (VNÐ)Earning per share (VND)	3,024	1,989	1,433	2,718

Data Source & Disclaimer

Data Source: Financial statement data is automatically aggregated from official disclosure feeds of listed companies through the analysis system of KB Securities Vietnam JSC (KB Securities).

Disclaimer: All financial data displayed on this website is provided for general reference purposes only. We make every effort to update accurate data but do not provide any warranty regarding its completeness or absolute reliability. The displayed figures do not constitute investment advice or an offer to trade securities. Users assume all risks and responsibilities for any financial decisions made based on the data on this website.

VPB

Vietnam Prosperity Joint Stock Commercial Bank (VPBank)

Interactive Stock Chart

Listing Information

Capital Structure

Professional Advisors & Auditors

Independent Auditing History

IPO & Listing Consultant

Detailed Corporate Timeline & Sectors

Key Financial Ratios (2025)

Historical Financial Metrics (YoY)

Financial Ratios Reference & Interpretation Guide

Audited Financial Statements

VPB — Financial Data Summary (2022–2025)

Executive Summary

Operating Performance & Profitability

Asset Structure & Financial Leverage

Cash Flow Quality