BID Joint Stock Commercial Bank for Investment and Development of Vietnam
Ngân hàng Thương mại Cổ phần Đầu tư và Phát triển Việt Nam
Banks
HSX
Total Assets
2,300,869 bn VND
2021–2025
Revenue
152,761 bn VND
2021–2025
Net Profit
21,977 bn VND
2021–2025
Equity
122,867 bn VND
2021–2025
YOY GROWTH 2023 vs 2022
+8.5%
Assets Growth (%)
+18.0%
Equity Growth (%)
+26.2%
Revenue Growth (%)
+19.8%
Net Profit Growth (%)
B
65/100
FINANCIAL HEALTH
profitability: 20/25
leverage: 0/25
margin: 20/25
growth: 25/25
ANALYST CONSENSUS
Aggregates use stored analyst metadata from configured sources (e.g. fireant.vn); coverage is not comprehensive for all listed names. Each row includes source and URL.
OPINIONS (730D)
0
WITH TARGET
0
MEAN TARGET
—
MEDIAN TARGET
—
TARGET RANGE
—
REPORTS IN WINDOW
| Date | Firm | Rating | Target | Vs Mean | Source |
|---|---|---|---|---|---|
| No analyst rows stored yet for this ticker. Run ingestion or try again later. | |||||
JSON: /api/analyst/BID
KEY RATIOS (2023)
17.89
ROE (%)
Net Profit After Tax / Owner's Equity × 100
0.96
ROA (%)
Net Profit After Tax / Total Assets × 100
14.39
Net Margin (%)
Net Profit After Tax / Revenue × 100
17.73
Debt/Equity
Total Liabilities / Owner's Equity
18.73
Equity Multiplier
Total Assets / Owner's Equity
DUPONT ANALYSIS
14.39
DuPont: Net Margin (%)
0.07
DuPont: Asset Turnover
18.73
DuPont: Eq. Multiplier
17.89
DuPont: ROE (%)
ROE = Net Margin × Asset Turnover × Equity Multiplier
📊 Analyst Consensus
No analyst coverage data available for BID in the last 730 days.
Balance Sheet Bảng Cân Đối Kế Toán — 42 items, 13 years · values in tỷ đồng
| Line Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TOTAL ASSETS (Bn. VND) | 3,330,826 | 2,760,792 | 2,300,869 | 2,120,677 | 1,761,696 | 1,516,686 | 1,489,957 | 1,312,866 | 1,202,284 | 1,006,378 | 850,507 | 650,340 | 548,386 |
| Cash and cash equivalents (Bn. VND) | 13,075 | 10,773 | 11,029 | 13,745 | 12,661 | 12,294 | 14,117 | 10,508 | 8,203.0 | 7,106.5 | 6,588.8 | 5,393.5 | 3,862.7 |
| Balances with the SBV | 123,630 | 92,341 | 51,616 | 111,418 | 68,851 | 49,432 | 135,255 | 50,185 | 29,419 | 36,711 | 21,719 | 23,098 | 12,835 |
| Placements with and loans to other credit institutions | 457,353 | 279,972 | 211,812 | 221,178 | 135,940 | 85,348 | 54,290 | 104,113 | 118,355 | 61,865 | 67,098 | 50,062 | 47,656 |
| Trading Securities, net | 30,152 | 12,734 | 6,972.5 | 1,701.5 | 6,068.9 | 10,170 | 6,346.2 | 673.6 | 9,613.8 | 10,016 | 8,872.7 | 8,430.8 | 1,558.0 |
| Trading Securities | 30,184 | 12,773 | 7,003.7 | 1,748.5 | 6,083.2 | 10,184 | 6,380.4 | 790.2 | 9,708.3 | 10,086 | 8,903.7 | 8,461.2 | 1,590.3 |
| Provision for diminution in value of Trading Securities | -31.3 | -39.3 | -31.2 | -47.1 | -14.3 | -14.7 | -34.2 | -116.6 | -94.5 | -69.9 | -31.0 | -30.4 | -32.3 |
| Derivatives and other financial liabilities | 0 | 663.3 | 0 | 1,038.2 | 192.3 | 167.9 | 92.1 | 79.8 | 193.7 | 0 | 101.9 | 0 | 239.9 |
| Loans and advances to customers, net | 2,338,010 | 2,018,044 | 1,737,196 | 1,484,169 | 1,325,529 | 1,195,240 | 1,102,366 | 976,334 | 855,536 | 713,633 | 590,917 | 439,070 | 384,890 |
| Loans and advances to customers | 2,372,955 | 2,056,082 | 1,777,665 | 1,522,222 | 1,354,633 | 1,214,296 | 1,116,998 | 988,739 | 866,885 | 723,697 | 598,434 | 445,693 | 391,035 |
| Less: Provision for losses on loans and advances to customers | -34,946 | -38,039 | -40,469 | -38,053 | -29,104 | -19,056 | -14,632 | -12,404 | -11,350 | -10,065 | -7,517.0 | -6,623.0 | -6,145.2 |
| Investment Securities | 285,463 | 277,838 | 222,393 | 235,636 | 177,089 | 125,115 | 138,284 | 133,188 | 146,477 | 144,413 | 121,565 | 91,817 | 68,072 |
| Available-for Sales Securities | 171,882 | 157,919 | 127,572 | 162,283 | 111,675 | 112,192 | 121,819 | 111,419 | 118,098 | 113,657 | 87,421 | 73,993 | 56,842 |
| Held-to-Maturity Securities | 113,629 | 121,120 | 95,722 | 73,735 | 65,711 | 13,501 | 23,262 | 29,848 | 38,386 | 36,824 | 36,849 | 19,528 | 11,565 |
| Less: Provision for diminution in value of investment securities | -48.8 | -1,200.8 | -901.7 | -381.2 | -297.9 | -578.7 | -6,797.1 | -8,078.5 | -10,006 | -6,067.7 | -2,705.1 | -1,704.3 | -335.1 |
| Long-term investments (Bn. VND) | 4,373.6 | 3,423.6 | 3,113.1 | 2,968.2 | 2,847.6 | 2,760.6 | 2,737.7 | 2,612.2 | 2,579.5 | 4,327.9 | 5,250.7 | 4,782.6 | 4,392.7 |
| Investment in joint ventures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,286.0 |
| Investments in associate companies | 4,294.8 | 3,348.5 | 3,012.3 | 2,871.5 | 2,729.7 | 2,643.5 | 2,625.8 | 2,522.8 | 2,409.6 | 3,994.1 | 4,871.2 | 4,300.0 | 516.0 |
| Other long-term assets (Bn. VND) | 183.1 | 182.9 | 214.9 | 215.1 | 215.6 | 215.5 | 214.7 | 213.3 | 253.0 | 457.5 | 539.2 | 621.8 | 919.2 |
| Less: Provision for diminuation in value of long term investments | -104.2 | -107.8 | -114.1 | -118.5 | -97.7 | -98.3 | -102.8 | -124.0 | -83.1 | -123.7 | -159.6 | -139.3 | -328.4 |
| Fixed assets (Bn. VND) | 13,123 | 12,120 | 11,096 | 10,539 | 10,741 | 10,422 | 10,605 | 10,729 | 10,349 | 9,779.5 | 8,535.3 | 6,672.0 | 5,201.1 |
| Tangible fixed assets | 7,540.8 | 6,799.2 | 6,401.4 | 6,103.3 | 6,338.1 | 6,162.3 | 6,294.5 | 6,414.5 | 5,949.3 | 5,430.2 | 4,554.9 | 3,458.4 | 2,682.6 |
| Leased assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 240.7 |
| Intagible fixed assets | 5,582.3 | 5,320.6 | 4,694.8 | 4,436.2 | 4,403.2 | 4,259.8 | 4,310.2 | 4,314.5 | 4,399.3 | 4,349.3 | 3,980.4 | 3,213.6 | 2,277.8 |
| Other Assets | 65,646 | 52,884 | 45,641 | 38,282 | 21,776 | 25,736 | 25,864 | 24,443 | 21,559 | 18,526 | 19,859 | 21,014 | 19,678 |
| TOTAL RESOURCES (Bn. VND) | 3,330,826 | 2,760,792 | 2,300,869 | 2,120,677 | 1,761,696 | 1,516,686 | 1,489,957 | 1,312,866 | 1,202,284 | 1,006,378 | 850,507 | 650,340 | 548,386 |
| LIABILITIES (Bn. VND) | 3,157,273 | 2,615,881 | 2,178,002 | 2,016,558 | 1,675,367 | 1,437,039 | 1,412,304 | 1,258,377 | 1,153,450 | 962,266 | 808,171 | 616,734 | 516,094 |
| Due to Gov and borrowings from SBV | 218,826 | 168,389 | 35,896 | 152,753 | 25,340 | 17,223 | 108,760 | 105,297 | 77,535 | 43,392 | 45,402 | 20,121 | 16,496 |
| Deposits and borrowings from other credit institutions | 417,965 | 232,954 | 181,831 | 177,221 | 98,007 | 82,261 | 76,683 | 79,198 | 91,979 | 92,499 | 79,758 | 86,186 | 47,799 |
| Deposits from customers | 2,222,992 | 1,953,165 | 1,704,690 | 1,473,598 | 1,380,398 | 1,226,674 | 1,114,163 | 989,671 | 859,985 | 726,022 | 564,693 | 440,472 | 338,902 |
| _Derivatives and other financial liabilities | 230.6 | 0 | 328.2 | 0 | 0 | 0 | 0 | 0 | 0 | 103.3 | 0 | 74.8 | 0 |
| Funds received from Gov, international and other institutions | 12,043 | 11,981 | 12,208 | 13,238 | 14,350 | 12,853 | 12,386 | 12,296 | 11,723 | 11,362 | 35,295 | 35,445 | 67,245 |
| Convertible bonds/CDs and other valuable papers issued | 225,408 | 198,900 | 189,487 | 157,052 | 123,682 | 63,237 | 62,772 | 39,991 | 83,738 | 66,642 | 65,542 | 20,077 | 33,254 |
| Other liabilities | 59,809 | 50,491 | 53,562 | 42,697 | 33,590 | 34,792 | 37,540 | 31,922 | 28,489 | 22,245 | 17,481 | 14,358 | 12,397 |
| OWNER'S EQUITY(Bn.VND) | 173,553 | 144,911 | 122,867 | 104,119 | 86,329 | 79,647 | 77,653 | 54,490 | 48,834 | 44,112 | 42,335 | 33,606 | 32,040 |
| Capital | 90,089 | 84,789 | 72,711 | 66,204 | 65,145 | 54,780 | 54,780 | 34,397 | 34,370 | 34,305 | 34,272 | 28,142 | 28,142 |
| Reserves | 33,711 | 19,397 | 15,662 | 12,448 | 9,685.0 | 8,064.3 | 5,755.4 | 4,618.0 | 4,445.8 | 3,376.6 | 2,464.1 | 1,656.8 | 379.7 |
| Foreign Currency Difference reserve | -597.4 | -701.0 | -803.5 | -760.4 | -367.9 | 49.9 | 129.8 | 156.6 | 53.5 | -111.6 | -42.6 | -44.9 | -57.4 |
| Undistributed earnings (Bn. VND) | 44,786 | 36,192 | 30,331 | 21,504 | 8,672.6 | 13,517 | 13,857 | 12,271 | 7,092.0 | 4,938.3 | 4,256.5 | 3,517.0 | 3,575.7 |
| Paid-in capital (Bn. VND) | 70,214 | 68,975 | 57,004 | 50,585 | 50,585 | 40,220 | 40,220 | 34,187 | 34,187 | 34,187 | 34,187 | 28,112 | 28,112 |
| Other Reserves | 1,000.1 | 452.6 | 345.9 | 267.9 | 267.9 | 267.9 | 267.9 | 179.1 | 152.5 | 87.1 | 54.3 | 0 | 0 |
| MINORITY INTERESTS | 5,563.9 | 5,234.0 | 4,966.2 | 4,723.2 | 3,193.9 | 3,234.6 | 3,130.4 | 3,047.7 | 2,872.7 | 1,604.2 | 1,385.7 | 334.9 | 252.6 |
Income Statement Báo Cáo Kết Quả Kinh Doanh — 29 items, 13 years · values in tỷ đồng
| Line Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue (Bn. VND) | 154,993 | 138,288 | 152,761 | 121,001 | 101,008 | 100,688 | 100,747 | 89,839 | 78,629 | 62,559 | 49,005 | 43,984 | 43,825 |
| Revenue YoY (%) | 0 | -0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Attribute to parent company (Bn. VND) | 29,904 | 25,140 | 21,505 | 18,086 | 10,540 | 6,996.6 | 8,368.5 | 7,287.2 | 6,786.7 | 6,101.7 | 5,822.3 | 4,947.9 | 4,030.7 |
| Attribute to parent company YoY (%) | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest and Similar Income | 154,993 | 138,288 | 152,761 | 121,001 | 101,008 | 100,688 | 100,747 | 89,839 | 78,629 | 62,559 | 49,005 | 43,984 | 43,825 |
| Interest and Similar Expenses | -91,698 | -80,281 | -96,626 | -65,041 | -54,185 | -64,891 | -64,769 | -55,118 | -47,673 | -39,166 | -29,690 | -27,140 | -28,980 |
| Net Interest Income | 63,295 | 58,008 | 56,136 | 55,960 | 46,823 | 35,797 | 35,978 | 34,721 | 30,955 | 23,394 | 19,315 | 16,844 | 14,845 |
| Fees and Comission Income | 13,151 | 13,465 | 11,893 | 10,346 | 10,370 | 8,618.1 | 7,871.8 | 6,788.7 | 5,611.6 | 4,493.8 | 3,962.4 | 2,981.2 | 2,419.8 |
| Fees and Comission Expenses | -6,227.3 | -6,390.9 | -5,323.5 | -4,694.1 | -3,755.8 | -3,351.7 | -3,605.5 | -3,233.6 | -2,645.8 | -1,981.2 | -1,625.8 | -1,178.5 | -852.8 |
| Net Fee and Commission Income | 6,924.2 | 7,074.4 | 6,569.9 | 5,651.4 | 6,614.3 | 5,266.4 | 4,266.3 | 3,555.1 | 2,965.8 | 2,512.6 | 2,336.5 | 1,802.7 | 1,567.0 |
| Net gain (loss) from foreign currency and gold dealings | 3,791.6 | 5,361.5 | 4,707.4 | 3,136.6 | 1,896.2 | 1,732.3 | 1,494.7 | 1,039.7 | 668.1 | 534.5 | 294.0 | 265.2 | 162.3 |
| Net gain (loss) from trading of trading securities | 718.6 | 284.5 | 305.4 | -31.7 | 586.2 | 478.7 | 325.5 | 645.5 | 481.6 | 455.4 | -63.0 | 210.4 | 465.6 |
| Net gain (loss) from disposal of investment securities | 2,262.1 | 4,900.3 | 2,871.7 | 258.5 | 207.3 | 1,516.1 | 481.2 | 234.8 | 331.3 | 403.0 | 11.3 | 818.6 | 924.3 |
| Net Other income/(expenses) | 16,250 | 9,191.9 | 6,542.5 | 6,530.2 | 8,957.4 | 7,992.8 | 6,517.9 | 5,337.3 | 4,594.3 | 3,785.3 | 3,537.6 | 2,441.0 | 1,779.5 |
| Other expenses | -3,124.5 | -4,205.1 | -4,474.7 | -2,316.1 | -2,778.6 | -2,900.2 | -1,156.7 | -1,519.3 | -1,315.3 | -1,902.5 | -1,168.2 | -847.0 | -916.7 |
| Net Other income/expenses | 13,125 | 4,986.8 | 2,067.8 | 4,214.1 | 6,178.9 | 5,092.6 | 5,361.2 | 3,818.0 | 3,279.0 | 1,882.8 | 2,369.4 | 1,593.9 | 862.8 |
| Dividends received | 1,097.2 | 445.7 | 355.3 | 291.0 | 187.6 | 154.3 | 214.5 | 242.0 | 335.5 | 1,214.5 | 449.0 | 371.6 | 337.2 |
| Total operating revenue | 91,214 | 81,061 | 73,013 | 69,480 | 62,494 | 50,037 | 48,121 | 44,256 | 39,017 | 30,396 | 24,712 | 21,907 | 19,164 |
| General & Admin Expenses | -30,428 | -27,967 | -25,081 | -22,715 | -19,465 | -17,693 | -17,257 | -16,016 | -15,504 | -13,532 | -11,087 | -8,623.9 | -7,391.0 |
| Operating Profit before Provision | 60,786 | 53,094 | 47,932 | 46,765 | 43,028 | 32,344 | 30,864 | 28,240 | 23,512 | 16,864 | 13,625 | 13,283 | 11,773 |
| Provision for credit losses | -22,999 | -21,109 | -20,344 | -23,842 | -29,481 | -23,318 | -20,132 | -18,848 | -14,847 | -9,199.5 | -5,676.3 | -6,985.7 | -6,482.9 |
| Profit before tax | 37,788 | 31,985 | 27,589 | 22,923 | 13,548 | 9,026.2 | 10,732 | 9,391.4 | 8,665.2 | 7,664.7 | 7,948.7 | 6,297.0 | 5,290.0 |
| Tax For the Year | -7,357.4 | -6,380.8 | -5,611.8 | -4,574.1 | -2,706.4 | -1,802.7 | -2,184.5 | -1,911.4 | -1,719.6 | -1,471.2 | -1,571.9 | -1,311.4 | -1,238.9 |
| Business income tax - current | -7,371.3 | -6,384.6 | -5,615.7 | -4,589.2 | -2,707.4 | -1,799.4 | -2,162.7 | -1,907.3 | -1,757.9 | -1,487.9 | -1,571.9 | -1,310.9 | -1,239.4 |
| Business income tax - deferred | 13.9 | 3.8 | 3.9 | 15.0 | 1.0 | -3.3 | -21.8 | -4.0 | 38.3 | 16.8 | 0 | -0.49 | 0.42 |
| Minority Interest | -525.9 | -464.0 | -472.2 | -262.6 | -301.1 | -226.9 | -179.3 | -192.8 | -158.9 | -91.8 | -554.5 | -37.8 | -20.3 |
| Net Profit For the Year | 30,430 | 25,604 | 21,977 | 18,349 | 10,841 | 7,223.6 | 8,547.8 | 7,480.0 | 6,945.6 | 6,193.5 | 6,376.8 | 4,985.7 | 4,051.0 |
| Attributable to parent company | 29,904 | 25,140 | 21,505 | 18,086 | 10,540 | 6,996.6 | 8,368.5 | 7,287.2 | 6,786.7 | 6,101.7 | 5,822.3 | 4,947.9 | 4,030.7 |
| EPS_basis | 4 | 3 | 3 | 3 | 2 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 1 |
Cash Flow Statement Báo Cáo Lưu Chuyển Tiền Tệ — 18 items, 13 years · values in tỷ đồng
| Line Item | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profits from other activities | -1,656.8 | -3,117.6 | -3,373.3 | -1,491.7 | -2,058.1 | -2,050.7 | -409.1 | -668.8 | -312.4 | -808.7 | 165.1 | 1,595.4 | 905.0 |
| Operating profit before changes in working capital | 54,114 | 39,870 | 50,080 | 49,466 | 43,592 | 28,758 | 34,221 | 28,733 | 26,788 | 19,307 | 13,418 | 11,759 | 9,417.1 |
| Net Cash Flows from Operating Activities before BIT | 192,940 | 98,847 | -71,014 | 132,519 | 68,891 | -67,913 | 33,745 | 21,469 | 35,968 | 10,655 | 6,715.9 | 12,193 | 3,277.6 |
| Payment from reserves | 0 | 0 | -1.2 | -0.98 | -0.90 | -0.20 | -0.38 | -0.52 | -0.59 | -0.44 | -0.51 | -0.68 | -0.53 |
| Purchase of fixed assets | -1,823.0 | -1,244.8 | -2,005.1 | -1,091.7 | -1,015.5 | -1,061.6 | -432.6 | -902.7 | -1,438.1 | -2,298.6 | -1,080.0 | -1,383.7 | -1,467.3 |
| Gain on Dividend | 175.9 | 88.1 | 182.1 | 165.6 | 88.4 | 135.0 | 111.1 | 128.2 | 141.0 | 334.3 | 277.9 | 248.9 | 152.5 |
| Net Cash Flows from Investing Activities | -1,638.7 | -1,128.4 | -1,813.7 | -917.9 | -977.4 | -919.3 | -330.4 | -710.0 | 33.4 | -1,002.5 | -889.4 | -1,233.2 | -1,669.2 |
| Increase in charter captial | 4,753.2 | 0 | 0 | 1,059.0 | 0 | 0 | 20,295 | 0 | 224.0 | 0 | 1,187.2 | 0 | 2,670.6 |
| Cash flows from financial activities | 14,251 | 2,267.1 | -119.7 | 757.1 | -1,353.8 | -2,669.1 | 15,451 | -92.6 | -2,322.2 | -2,940.4 | -1,696.7 | -2,389.5 | 2,137.7 |
| Net increase/decrease in cash and cash equivalents | 205,553 | 99,985 | -72,948 | 132,357 | 66,559 | -71,501 | 48,865 | 20,665 | 33,679 | 6,711.6 | 4,129.3 | 8,570.0 | 3,745.6 |
| Cash and cash equivalents | 324,724 | 224,739 | 297,687 | 165,330 | 98,771 | 170,272 | 121,407 | 100,742 | 65,522 | 55,806 | 50,203 | 41,633 | 37,887 |
| Foreign exchange differences Adjustment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,541.0 | 3,004.0 | 1,477.3 | 0 | 0 |
| Cash and Cash Equivalents at the end of period | 530,278 | 324,724 | 224,739 | 297,687 | 165,330 | 98,771 | 170,272 | 121,407 | 100,742 | 65,522 | 55,809 | 50,203 | 41,633 |
| Net cash inflows/outflows from operating activities | 192,940 | 98,847 | -71,015 | 132,518 | 68,890 | -67,913 | 33,745 | 21,468 | 35,968 | 10,654 | 6,715.4 | 12,193 | 3,277.1 |
| Proceeds from disposal of fixed assets | 11.4 | 19.9 | 11.7 | 9.9 | 8.4 | 8.5 | 5.3 | 13.4 | 11.2 | 10.2 | 22.4 | 1.7 | 4.1 |
| Investment in other entities | 0 | -1.0 | 0 | 0 | -53.7 | 0 | 0 | 0 | 0 | 0 | -393.7 | -400.0 | -527.9 |
| Proceeds from divestment in other entities | 0 | 14.1 | 0 | 0 | 0 | 0 | 0 | 56.2 | 1,325.5 | 955.6 | 286.3 | 303.1 | 170.2 |
| Dividends paid | -3,248.2 | -94.5 | -119.7 | -301.9 | -1,353.8 | -2,669.1 | -4,844.2 | -92.6 | -2,546.2 | -2,940.4 | -2,883.9 | -2,389.5 | -532.9 |