BID

Ngân hàng TMCP Đầu tư và Phát triển Việt Nam ·HOSE ·2026Q1

▼ FUNDING UNDER PRESSURE

Operations are weakening LDR 97.9%, +2.4 pp QoQ

Price

42,250

Latest close

04 Jun 2026

P/B 1.6x

ROAE (TTM) 17.8%

NIM (TTM) 2.1%

ROAA (TTM) 1.0%

LDR 97.9%

Bank Picture

BID bank opening narrative plan rendered.

	                            
	                                LDR
	                            
	                                    97.9%
	                                
+2.4 pp QoQ

	                            
	                                Market funding share
	                            
	                                    25.7%
	                                
+3.3 pp QoQ

	                            
	                                Funding cost
	                            
	                                    3.22%
	                                
−0.0 pp YoY

Metric	2025	2024
Net Interest Income	63.295,1	58.003,0
NIM	2,14%	2,16%
Net Fee Income	6.924,2	7.076,9
Provision Expense	22.998,7	21.040,9
Net Profit After Tax	30.430,1	25.677,1

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Net Interest Income	15.733,7	19.246,8	15.172,6	14.991,7	13.945,6	15.638,8	13.989,7	14.837,8	13.541,4
NII Growth YoY	+13%	+23%	+8%	+1%	+3%	—	—	—	—
NIM	2,15%	2,14%	2,18%	2,20%	2,33%	2,35%	—	—	—
Net Fee Income	1.624,9	1.785,7	1.733,5	1.887,4	1.538,9	1.966,7	1.475,0	1.939,0	1.693,0
Provision Expense	5.498,0	6.135,0	6.185,9	6.098,1	4.578,5	7.686,9	4.453,1	5.357,7	4.388,7
Net Profit After Tax	6.878,8	11.542,6	6.086,9	6.900,7	5.955,3	7.464,1	5.213,9	6.534,0	5.915,6
Net Income Growth YoY	+16%	+55%	+17%	+6%	+1%	—	—	—	—

Drivers of BID's profit

TTM

Net profit attributable to parent increased vs last year, mainly helped by higher other income. Supporting and offsetting drivers:

Other income +VND 8,290.5bn

Net interest income +VND 6,733.0bn

Trading securities +VND 144.7bn

Net fee income +VND 112.0bn

Investment securities −VND 2,930.7bn

Operating expenses +VND 2,883.1bn

TTM

Net profit attributable to parent increased vs prior quarter, mainly helped by higher net interest income. Supporting and offsetting drivers:

Net interest income +VND 1,788.2bn

Other income +VND 850.8bn

FX & gold trading +VND 244.9bn

Net fee income +VND 86.0bn

Minority interest −VND 36.9bn

Provision for credit losses +VND 919.5bn

Financial Highlights

Detailed analysis of each financial dimension

Is credit clean?

very positive positive stable watch under pressure

Credit Quality

Is asset quality deteriorating?

Direct credit reading is still incomplete, but funding balance has tightened with LDR rising to 97.9%.

Reserve buffer on gross loans is around 1.53%. LDR stands at 97.9%.

Credit reading currently relies mainly on credit cost and reserve buffer; NPL, group-2, and bad-debt coverage signals will be added next.

Key signals

Credit cost 0.79% +0.0pp

Reserve / Gross loans 1.53% +0.1pp

LDR 97.9% +2.4pp

2026Q1

Is interest margin sustainable?

Interest Margin Quality

Is spread coming under pressure?

NIM should be watched more closely, currently at 2.15%.

In the period, NIM reached 2.15%, −0.2pp YoY; asset yield was 5.36%, −0.2pp; while funding cost was 3.22%, −0.0pp. This suggests spread narrowed mainly because asset yields softened faster than funding costs eased, rather than reflecting a fresh funding-stress episode.

Watchpoints

NIM is in a low zone

NIM stands at 2.15%, leaving less room on spread.

Key signals

NIM 2.15% −0.2pp

Asset yield 5.36% −0.2pp

Funding cost 3.22% −0.0pp

2026Q1

Earnings Mix

Is profit coming from core or supporting income sources?

Earnings mix currently looks balanced. More broadly, the quality of the revenue mix is softening as the share of net interest income falls while fee income remains insufficient or other income becomes more prominent.

Nii accounts for 69.2% of toi, fee income is 7.5% of toi, other income is 14.9% of toi, cir stands at 33.1%, net profit equals 33.4% of toi.

Watchpoints

Income mix quality deteriorating

Net interest income share is declining while fee income does not offset enough or other income rises, making the revenue mix less anchored in core income.

Fee-income base is thin

Fee income currently contributes only 7.5% of total operating income.

Key signals

NII / TOI 69.2% −0.2pp

Fee / TOI 7.5% −0.1pp

Other income / TOI 14.9% +0.5pp

CIR 33.1% −0.2pp

2026Q1

Is liquidity safe?

Funding & Liquidity

Are funding and capital buffers sufficiently safe?

Capital buffer is the key watchpoint, with equity only at 5.6% of ending assets.

Ldr stands at 97.9%, equity equals 5.6% of assets, customer funding accounts for 74.3% of interest-bearing funding, market funding accounts for 25.7%.

Watchpoints

Funding mix turning less comfortable

Market funding share is rising quarter over quarter, suggesting a less comfortable funding mix even if stress is not yet severe.

Capital buffer looks thin

Equity currently accounts for only 5.6% of ending assets.

Key signals

LDR 97.9% +2.4pp

Equity / Assets 5.6% +0.4pp

Customer funding 74.3% −3.3pp

Market funding 25.7% +3.3pp

2026Q1

Profitability Quality

What is sustaining current profitability?

Profitability currently looks balanced, with ROAA at 1.01% and ROAE at 18.13%.

Net income on average earning assets is 1.04%, nim stands at 2.15%, credit cost is 0.79%, cir stands at 33.1%, average leverage is around 18.02 times.

Watchpoints

Average leverage is elevated

Average leverage is currently around 18.02 times.

Key signals

ROAA 1.01% +0.0pp

ROAE 18.13% −1.0pp

NI / Avg EA 1.04% +0.0pp

Quarterly provision VND 5,498bn −10.4% QoQ

2026Q1

Investment Takeaway

BID bank investment takeaway — funding under pressure. [Placeholder for EN translation.]

[Placeholder for EN evidence line 1.]

[Placeholder for EN evidence line 2.]

[Placeholder for EN conclusion.]

Statement Data

Item	2025	2024
Interest Income and Similar Income	154,992.9	138,283.8
Interest Expense and Similar Expenses	91,697.8	80,280.8
Net Interest Income	63,295.1	58,003.0
Fee and Commission Income	13,151.5	13,465.6
Fee and Commission Expenses	6,227.3	6,388.7
Net Fee and Commission Income	6,924.2	7,076.9
Net Gain/(Loss) from Foreign Currencies and Gold Trading	3,791.6	5,361.5
Net Gain/(Loss) from Trading Securities	718.6	284.5
Net Gain/(Loss) from Investment Securities	2,262.1	4,900.3
Other Income	16,249.6	9,229.8
Other Expenses	3,124.5	4,205.1
Net Other Income	13,125.1	5,024.7
Income from Capital Contribution and Long-term Investments	1,097.2	445.7
Operating Expenses	30,427.8	27,979.5
Operating Profit before Provision for Credit Losses	60,786.2	53,117.1
Provision for Credit Losses	22,998.7	21,040.9
Profit Before Tax	37,787.5	32,076.2
Current Corporate Income Tax Expense	7,371.3	6,402.9
Deferred Income Tax Expense	-13.9	-3.8
Corporate Income Tax	7,357.4	6,399.1
Net Profit After Tax	30,430.1	25,677.1
Minority Interest	525.9	465.1
Net Profit Attributable to the Equity Holders of the Bank	29,904.3	25,212.0
Earnings per Share	3,774.00	—

Item	2025	2024
Cash, Gold and Precious Stones	13,075.1	10,772.9
Balances with the State Bank of Vietnam	123,629.8	92,341.0
Placements at and Loans to Other Credit Institutions	457,353.5	279,971.5
Placements at Other Credit Institutions	443,326.0	268,366.1
Loans to Other Credit Institutions	14,090.8	11,686.2
Provision for Losses and Risks	-63.3	-80.9
Trading Securities	30,152.5	12,734.1
Trading Securities (Gross)	30,183.8	12,773.3
Provision for Diminution in Value of Trading Securities	-31.3	-39.3
Derivatives and Other Financial Assets	—	663.3
Loans, Advances and Finance Leases to Customers	2,338,009.5	2,018,111.9
Loans, Advances and Finance Leases to Customers (Gross)	2,372,955.1	2,056,082.4
Provision for Losses on Loans, Advances and Finance Leases to Customers	-34,945.6	-37,970.5
Investment Securities	285,463.1	277,838.1
Available-for-sale Securities	171,882.4	157,918.8
Held-to-maturity Securities	113,629.5	121,120.0
Provision for Diminution in Value of Investment Securities	-48.8	-1,200.8
Capital Contribution and Other Long-term Investments	4,373.6	3,423.6
Investments in Associates and Joint Ventures	4,294.8	3,348.5
Other Long-term Investments	183.1	182.9
Provision for Diminution in Value of Long-term Investments	-104.2	-107.8
Fixed Assets	13,123.1	12,164.8
Tangible Fixed Assets	7,540.8	6,844.2
Tangible Fixed Assets Cost	17,858.3	16,745.1
Accumulated Depreciation of Tangible Fixed Assets	-10,317.5	-9,900.9
Intangible Fixed Assets	5,582.3	5,320.6
Intangible Fixed Assets Cost	8,684.8	8,103.3
Accumulated Depreciation of Intangible Fixed Assets	-3,102.5	-2,782.7
Other Assets	65,645.5	52,885.7
Accounts Receivables	32,944.3	25,773.4
Interest and Fee Receivables	28,145.2	23,147.0
Deferred Income Tax Assets	27.7	27.1
Other Assets (Miscellaneous)	4,736.8	4,242.3
Provision for Risks in Other Assets	-208.5	-304.0
Total Assets	3,330,825.7	2,760,907.0
Due to Government and Borrowings from the State Bank of Vietnam	218,825.5	168,389.0
Placements and Borrowings from Other Credit Institutions	417,965.2	232,954.1
Placements from Other Credit Institutions	392,473.4	205,610.8
Borrowings from Other Credit Institutions	25,491.8	27,343.3
Deposits from Customers	2,222,991.6	1,953,165.5
Derivatives and Other Financial Liabilities	230.6	—
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	12,043.1	11,981.5
Valuable Papers Issued	225,407.8	198,900.2
Other Liabilities	59,809.1	50,532.6
Interest and Fee Payables	33,802.9	28,670.1
Other Liabilities (Miscellaneous)	25,940.5	21,782.7
Total Liabilities	3,157,272.8	2,615,922.8
Capital and Reserves	173,552.9	144,984.2
Capital	90,089.4	84,788.8
Charter Capital	70,213.6	68,975.2
Share Premium	18,875.7	15,361.0
Other Capital	1,000.1	452.6
Reserves	33,710.6	19,396.8
Foreign Exchange Differences	-597.4	-701.0
Undistributed Earnings after Tax/Accumulated Loss	44,786.3	36,264.5
Minority Interest	5,563.9	5,235.1
Total Liabilities and Equity	3,330,825.7	2,760,907.0

Item	2025	2024
Receipts from Interest and Similar Income	149,994.8	135,684.0
Payments for Interest and Similar Expenses	-86,565.0	-86,044.7
Receipts from Fee and Commission Income	6,924.2	7,074.4
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	5,612.5	10,853.5
Receipts from Other Income	-1,656.8	-3,117.6
Receipts from Collection of Written-off Debts	14,773.5	8,108.0
Payments for Staff Costs and Operating Expenses	-28,199.5	-25,803.1
Corporate Income Tax Paid	-6,769.3	-6,884.9
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	54,114.4	39,869.6
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	-5,402.2	-8,638.6
(Increase)/Decrease in Trading Securities and Investment Securities	-23,883.5	-66,507.4
(Increase)/Decrease in Derivatives and Other Financial Assets	663.3	-663.3
(Increase)/Decrease in Loans and Advances to Customers	-316,872.7	-278,417.5
(Decrease)/Increase in Provisions for Damages	-26,117.6	-23,561.9
(Increase)/Decrease in Other Operating Assets	-8,362.3	-882.1
Increase/(Decrease) in Due to Government and Borrowings from State Bank	50,436.6	132,492.5
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	185,011.1	51,123.1
Increase/(Decrease) in Deposits from Customers	269,826.1	248,475.3
Increase/(Decrease) in Valuable Papers Issued	13,761.1	7,051.8
Increase/(Decrease) in Funds Received from Government and Institutions	61.6	-226.3
Increase/(Decrease) in Derivatives and Other Financial Liabilities	230.6	-328.2
Increase/(Decrease) in Other Operating Liabilities	-526.1	-940.4
Net Cash Flows from Operating Activities	192,940.5	98,846.8
Purchase of Fixed Assets	-1,823.0	-1,244.8
Receipts from Disposal of Fixed Assets	11.4	19.9
Payments for Disposal of Fixed Assets	-3.0	-4.7
Payments for Investment in Other Entities	—	-1.0
Dividends and Profit Received	175.9	88.1
Net Cash Flows from Investing Activities	-1,638.7	-1,128.4
Receipts from Equity Issue and Owner Capital Contribution	4,753.2	—
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	26,043.0	19,000.0
Dividends Paid and Profits Distributed to Owners	-3,248.2	-94.5
Net Cash Flows from Financing Activities	14,251.4	2,267.1
Net Cash Flows during the Period	205,553.2	99,985.5
Cash and Cash Equivalents at Beginning of the Period	324,724.5	224,739.0
Cash and Cash Equivalents at End of the Period	530,277.7	324,724.5

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Interest Income and Similar Income	42,960.2	43,796.5	38,444.6	37,527.2	35,286.2	36,469.3	34,326.3	33,896.9	33,596.0
Interest Expense and Similar Expenses	27,226.4	24,549.7	23,272.0	22,535.4	21,340.7	20,830.5	20,336.6	19,059.1	20,054.6
Net Interest Income	15,733.7	19,246.8	15,172.6	14,991.7	13,945.6	15,638.8	13,989.7	14,837.8	13,541.4
Fee and Commission Income	3,213.9	3,557.9	3,152.7	3,590.8	2,849.2	3,371.6	3,013.7	3,780.6	3,298.3
Fee and Commission Expenses	1,589.0	1,772.2	1,419.2	1,703.4	1,310.3	1,405.0	1,538.7	1,841.6	1,605.3
Net Fee and Commission Income	1,624.9	1,785.7	1,733.5	1,887.4	1,538.9	1,966.7	1,475.0	1,939.0	1,693.0
Net Gain/(Loss) from Foreign Currencies and Gold Trading	1,108.5	619.4	965.2	1,357.1	863.5	1,437.7	732.5	1,725.9	1,465.1
Net Gain/(Loss) from Trading Securities	-27.1	390.8	66.6	47.3	214.0	103.9	-63.9	78.7	166.8
Net Gain/(Loss) from Investment Securities	-11.4	952.1	517.2	797.8	-5.0	5,164.4	-485.5	512.5	-291.1
Other Income	2,594.2	7,849.6	3,127.3	3,512.7	1,745.8	3,964.8	2,032.6	2,045.9	1,148.6
Other Expenses	527.2	1,377.8	572.1	614.5	529.6	2,015.6	527.8	1,014.5	648.3
Net Other Income	2,067.0	6,471.8	2,555.2	2,898.1	1,216.3	1,949.2	1,504.8	1,031.4	500.3
Income from Capital Contribution and Long-term Investments	201.9	716.7	143.9	110.4	125.1	144.7	106.0	99.4	95.6
Operating Expenses	6,628.0	9,817.7	7,374.5	7,367.1	5,906.8	9,382.1	6,307.2	6,708.2	5,392.6
Operating Profit before Provision for Credit Losses	14,069.6	20,365.5	13,779.7	14,722.8	11,991.6	17,023.3	10,951.4	13,516.7	11,778.6
Provision for Credit Losses	5,498.0	6,135.0	6,185.9	6,098.1	4,578.5	7,686.9	4,453.1	5,357.7	4,388.7
Profit Before Tax	8,571.6	14,230.5	7,593.8	8,624.7	7,413.1	9,336.3	6,498.3	8,159.0	7,389.9
Current Corporate Income Tax Expense	1,692.8	2,690.1	1,512.8	1,729.9	1,457.9	1,870.1	1,286.3	1,628.1	1,474.1
Deferred Income Tax Expense	—	-2.2	-6.0	-5.9	—	2.1	-1.9	-3.1	0.3
Corporate Income Tax	1,692.8	2,687.9	1,506.9	1,724.0	1,457.9	1,872.2	1,284.4	1,625.0	1,474.3
Net Profit After Tax	6,878.8	11,542.6	6,086.9	6,900.7	5,955.3	7,464.1	5,213.9	6,534.0	5,915.6
Minority Interest	78.0	134.0	133.9	145.0	114.9	135.8	62.5	165.1	102.9
Net Profit Attributable to the Equity Holders of the Bank	6,800.8	11,408.6	5,953.0	6,755.8	5,840.4	7,328.3	5,151.3	6,368.9	5,812.6

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Cash, Gold and Precious Stones	12,066.0	13,075.1	10,523.7	11,226.9	10,980.8	10,772.9	11,014.2	10,282.8	10,421.5
Balances with the State Bank of Vietnam	64,702.2	123,629.8	48,303.4	82,653.8	65,199.6	92,341.0	47,435.7	52,441.1	36,833.9
Placements at and Loans to Other Credit Institutions	528,622.8	457,353.6	453,483.6	392,598.2	342,941.1	279,971.5	257,504.0	266,799.5	231,693.6
Placements at Other Credit Institutions	516,721.5	443,326.1	439,480.0	381,762.6	333,399.2	268,366.1	245,516.6	256,347.4	220,778.6
Loans to Other Credit Institutions	11,963.6	14,090.8	14,105.4	10,938.6	9,627.9	11,686.2	12,081.8	10,544.4	10,998.1
Provision for Losses and Risks	-62.2	-63.3	-101.8	-103.0	-86.0	-80.9	-94.4	-92.3	-83.1
Trading Securities	31,703.5	30,152.5	24,553.3	24,033.4	15,240.5	12,734.1	13,275.1	8,185.8	6,972.6
Trading Securities (Gross)	31,745.9	30,183.8	24,608.1	24,070.1	15,286.0	12,773.3	13,309.3	8,224.6	7,003.0
Provision for Diminution in Value of Trading Securities	-42.4	-31.3	-54.7	-36.7	-45.5	-39.3	-34.2	-38.8	-30.5
Derivatives and Other Financial Assets	172.5	—	—	—	—	663.3	55.7	—	34.3
Loans, Advances and Finance Leases to Customers	2,392,549.4	2,338,010.8	2,197,470.8	2,141,443.8	2,068,679.1	2,017,266.3	1,914,427.6	1,844,886.2	1,752,683.4
Loans, Advances and Finance Leases to Customers (Gross)	2,429,610.2	2,372,955.1	2,237,119.3	2,179,879.6	2,107,330.0	2,056,082.4	1,953,065.2	1,882,815.4	1,793,930.2
Provision for Losses on Loans, Advances and Finance Leases to Customers	-37,060.8	-34,944.4	-39,648.5	-38,435.8	-38,650.9	-38,816.1	-38,637.7	-37,929.2	-41,246.8
Investment Securities	277,864.0	285,463.1	261,755.3	266,227.7	279,416.9	277,838.1	252,241.2	252,220.5	220,214.3
Available-for-sale Securities	172,150.7	171,882.4	144,811.9	149,555.6	161,722.7	157,918.8	149,878.4	149,159.6	125,391.5
Held-to-maturity Securities	105,773.9	113,629.5	118,044.5	117,777.9	118,899.8	121,120.0	104,039.5	104,253.1	96,015.6
Provision for Diminution in Value of Investment Securities	-60.7	-48.8	-1,101.1	-1,105.9	-1,205.6	-1,200.8	-1,676.7	-1,192.1	-1,192.8
Capital Contribution and Other Long-term Investments	4,663.2	4,372.5	4,049.1	3,849.7	3,755.5	3,423.6	3,401.3	3,388.6	3,218.5
Investments in Associates and Joint Ventures	4,584.4	4,293.7	755.0	752.2	3,674.9	3,348.5	3,300.4	3,288.5	3,118.4
Other Long-term Investments	183.0	183.1	183.1	183.0	183.0	182.9	214.8	214.8	214.9
Provision for Diminution in Value of Long-term Investments	-104.1	-104.2	-103.6	-103.2	-102.3	-107.8	-113.9	-114.7	-114.8
Fixed Assets	12,961.1	13,123.6	12,010.2	11,797.8	11,896.4	12,120.3	11,555.2	11,585.5	10,891.1
Tangible Fixed Assets	7,373.8	7,541.3	6,844.0	6,583.0	6,636.0	6,799.7	6,428.9	6,512.5	6,235.7
Tangible Fixed Assets Cost	17,915.5	—	—	—	—	—	—	—	—
Accumulated Depreciation of Tangible Fixed Assets	-10,541.6	—	—	—	—	—	—	—	—
Intangible Fixed Assets	5,587.3	5,582.3	5,166.2	5,214.8	5,260.5	5,320.6	5,126.3	5,073.1	4,655.4
Intangible Fixed Assets Cost	8,774.3	—	—	—	—	—	—	—	—
Accumulated Depreciation of Intangible Fixed Assets	-3,187.0	—	—	—	—	—	—	—	—
Other Assets	62,916.8	65,722.8	59,820.7	57,839.6	58,001.0	53,562.3	65,071.2	71,263.3	55,767.5
Accounts Receivables	30,061.6	32,942.5	31,978.1	30,680.1	30,402.5	25,767.6	39,496.0	48,307.3	36,064.5
Interest and Fee Receivables	28,748.3	28,238.2	24,749.4	23,830.9	24,373.7	23,150.6	21,014.6	16,743.2	15,895.5
Deferred Income Tax Assets	27.6	27.7	27.9	27.7	27.3	27.1	37.3	38.1	37.5
Other Assets (Miscellaneous)	4,289.5	4,723.4	3,358.7	3,594.7	3,510.0	4,921.2	4,834.3	6,486.2	4,080.0
Provision for Risks in Other Assets	-210.2	-208.9	-293.3	-293.7	-312.5	-304.3	-311.0	-311.5	-310.0
Total Assets	3,388,221.5	3,330,903.8	3,071,970.2	2,991,670.8	2,856,111.0	2,760,693.4	2,575,981.3	2,521,053.5	2,328,730.8
Due to Government and Borrowings from the State Bank of Vietnam	249,834.5	218,825.5	215,823.6	162,609.4	147,605.6	168,389.0	95,416.0	131,128.7	57,022.8
Placements and Borrowings from Other Credit Institutions	437,152.2	417,740.8	329,639.5	296,709.5	304,697.7	232,956.4	216,251.8	193,205.8	167,810.2
Placements from Other Credit Institutions	407,364.7	392,249.1	308,827.5	278,836.3	280,870.4	205,613.1	200,328.6	166,266.2	135,529.7
Borrowings from Other Credit Institutions	29,787.5	25,491.8	20,811.9	17,873.1	23,827.3	27,343.3	15,923.2	26,939.7	32,280.6
Deposits from Customers	2,140,960.8	2,223,224.5	2,087,181.4	2,074,787.5	1,976,946.0	1,953,170.5	1,873,725.0	1,806,926.3	1,734,779.1
Derivatives and Other Financial Liabilities	—	230.6	622.2	889.4	375.8	—	—	398.3	—
Funds Received from Government and Institutions, Trust Investments and Syndicated Loans	11,877.2	12,043.1	12,335.1	11,678.4	11,914.7	11,981.5	11,608.2	11,963.3	12,190.1
Valuable Papers Issued	303,350.5	225,407.8	204,714.1	231,465.9	210,630.8	198,900.2	193,317.1	197,648.5	180,564.5
Other Liabilities	54,423.2	59,820.1	53,667.7	50,792.4	48,034.2	50,784.3	47,223.6	45,082.8	47,346.2
Interest and Fee Payables	35,930.7	33,802.9	32,288.3	30,508.3	29,450.1	28,670.1	28,356.2	29,154.5	31,765.8
Other Liabilities (Miscellaneous)	18,427.0	25,951.5	21,311.3	20,210.4	18,504.3	22,034.5	18,678.0	15,836.6	15,485.7
Total Liabilities	3,197,598.4	3,157,292.5	2,903,983.5	2,828,932.5	2,700,204.6	2,616,181.8	2,437,541.6	2,386,353.8	2,199,712.9
Capital and Reserves	190,623.2	173,611.3	167,986.7	162,738.4	155,906.3	144,511.5	138,439.7	134,699.7	129,017.8
Capital	100,110.3	90,089.4	90,089.4	89,542.0	89,542.0	84,788.8	72,818.0	72,715.2	72,711.3
Charter Capital	72,800.7	70,213.6	70,213.6	70,213.6	70,213.6	68,975.2	57,004.4	57,004.4	57,004.4
Share Premium	26,309.6	18,875.7	18,875.7	18,875.7	18,875.7	15,361.0	452.6	15,361.0	15,361.0
Other Capital	1,000.1	1,000.1	1,000.1	452.6	452.6	452.6	—	349.9	345.9
Reserves	33,710.5	33,721.0	21,878.8	22,095.2	19,400.6	15,727.3	15,715.3	15,705.6	15,670.7
Foreign Exchange Differences	-420.0	-594.2	-235.0	-265.4	-433.8	-700.8	-682.4	-717.9	-557.3
Undistributed Earnings after Tax/Accumulated Loss	51,588.0	44,829.2	50,816.8	45,989.9	42,041.0	39,462.3	5,089.8	41,950.7	36,136.9
Minority Interest	5,634.2	5,565.9	5,436.6	5,376.7	5,356.6	5,234.0	—	5,046.0	5,056.3
Total Liabilities and Equity	3,388,221.5	3,330,903.8	3,071,970.2	2,991,670.8	2,856,111.0	2,760,693.4	2,575,981.3	2,521,053.5	2,328,730.8

Item	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Receipts from Interest and Similar Income	42,357.1	40,339.2	37,522.5	38,070.0	34,063.2	34,333.3	34,674.1	33,627.1	33,049.5
Payments for Interest and Similar Expenses	-25,098.7	-23,035.0	-21,492.0	-21,477.2	-20,560.7	-20,516.6	-21,134.3	-21,670.9	-22,722.8
Receipts from Fee and Commission Income	1,624.9	1,765.1	1,733.5	1,886.7	1,538.9	1,967.5	1,475.0	1,938.9	1,693.0
Net Cash Inflow from Trading Activities in Foreign Currencies, Gold and Securities	1,092.9	872.9	1,562.3	2,093.6	1,083.7	6,235.1	663.1	2,324.0	1,631.3
Receipts from Other Income	-108.4	-1,050.9	8.1	-314.7	-299.2	-1,685.0	-293.2	-747.7	-391.6
Receipts from Collection of Written-off Debts	2,175.1	7,501.7	2,544.9	3,211.1	1,515.7	3,643.7	1,793.7	1,778.3	892.3
Payments for Staff Costs and Operating Expenses	-9,924.6	-8,013.1	-5,499.2	-6,255.8	-8,431.3	-7,840.8	-5,239.6	-5,669.1	-7,053.7
Corporate Income Tax Paid	-3,569.8	-562.1	-1,793.8	-1,451.1	-2,962.3	-330.7	-1,642.9	-1,472.7	-3,438.6
Cash Flow from Operating Activities before Changes in Operating Assets and Liabilities	8,548.4	17,817.8	14,586.2	15,762.5	5,947.9	15,806.5	10,295.9	10,107.9	3,659.3
(Increase)/Decrease in Placements with and Loans to Other Credit Institutions	2,919.8	-1,016.8	-3,768.9	-3,688.3	3,071.7	-4,479.0	-2,575.1	-1,254.9	-329.4
(Increase)/Decrease in Trading Securities and Investment Securities	6,025.1	-28,231.2	3,939.1	4,504.9	-4,096.3	-24,584.9	-10,209.6	-33,804.7	2,091.8
(Increase)/Decrease in Derivatives and Other Financial Assets	-172.5	0.0	0.0	0.0	663.3	-607.5	-21.4	—	-34.3
(Increase)/Decrease in Loans and Advances to Customers	-56,655.1	-135,835.8	-57,239.7	-72,549.6	-51,247.5	-103,017.2	-70,249.8	-88,885.2	-16,265.3
(Decrease)/Increase in Provisions for Damages	-3,382.2	-10,895.8	-4,905.2	-6,316.2	-4,000.4	-7,643.7	-3,624.7	-8,671.7	-3,621.8
(Increase)/Decrease in Other Operating Assets	3,406.5	-3,576.4	-1,226.9	-165.4	-3,393.6	13,537.5	10,435.9	-15,384.6	-9,471.0
Increase/(Decrease) in Due to Government and Borrowings from State Bank	31,008.9	3,001.9	53,214.2	15,003.8	-20,783.4	72,972.9	-35,712.7	74,105.9	21,126.3
Increase/(Decrease) in Placements and Borrowings from Other Credit Institutions	19,187.0	88,325.7	32,930.0	-7,988.3	71,743.6	16,702.3	23,045.9	25,395.6	-14,020.8
Increase/(Decrease) in Deposits from Customers	-82,030.8	135,810.2	12,393.9	97,841.6	23,780.5	79,440.5	66,800.0	72,145.9	30,088.9
Increase/(Decrease) in Valuable Papers Issued	74,641.6	17,500.7	-27,861.8	11,312.1	12,810.1	3,221.5	-4,331.4	17,083.9	-8,922.2
Increase/(Decrease) in Funds Received from Government and Institutions	-165.9	-292.0	656.7	-236.3	-66.8	373.3	-355.1	-226.8	-17.7
Increase/(Decrease) in Derivatives and Other Financial Liabilities	-230.6	-391.6	-267.2	513.7	375.8	0.0	-398.3	398.3	-328.2
Increase/(Decrease) in Other Operating Liabilities	-1,921.3	-1,116.7	-1,079.9	529.9	1,140.7	-1,121.4	1,121.0	-1,450.6	510.6
Net Cash Flows from Operating Activities	1,179.1	81,100.0	21,370.7	54,524.4	35,945.4	60,600.8	-15,813.9	49,593.4	4,466.4
Purchase of Fixed Assets	-255.9	-408.3	-426.0	-481.4	-507.3	-266.1	-335.4	-333.8	-309.6
Receipts from Disposal of Fixed Assets	0.5	6.2	3.1	2.1	—	9.5	7.1	2.4	0.9
Payments for Disposal of Fixed Assets	-0.1	-1.6	-0.9	-0.3	-0.2	-0.2	-2.7	-0.5	-1.3
Payments for Investment in Other Entities	—	—	—	—	—	-1.0	—	—	—
Dividends and Profit Received	5.7	51.4	5.0	118.3	1.3	6.0	7.9	70.2	3.9
Net Cash Flows from Investing Activities	-249.8	-352.4	-418.8	-361.4	-506.2	-237.6	-323.1	-261.7	-306.0
Receipts from Equity Issue and Owner Capital Contribution	10,020.9	-0.0	0.0	0.0	4,753.2	—	—	—	—
Receipts from Issue of Valuable Papers and Other Long-term Borrowings	3,301.2	4,003.0	4,205.0	17,835.0	—	19,000.0	—	—	—
Dividends Paid and Profits Distributed to Owners	—	-3,248.2	—	—	—	-85.8	0.0	-8.6	—
Net Cash Flows from Financing Activities	13,322.0	-55.2	1,110.0	9,523.0	3,673.7	2,275.8	0.0	-8.6	—
Net Cash Flows during the Period	14,251.3	80,692.4	22,061.8	63,686.1	39,112.9	62,639.0	-16,137.0	49,323.1	4,160.4
Cash and Cash Equivalents at Beginning of the Period	530,277.7	449,585.2	427,523.4	363,837.3	324,724.5	262,085.5	278,222.5	228,899.4	224,739.0
Cash and Cash Equivalents at End of the Period	544,529.0	530,277.7	449,585.2	427,523.4	363,837.3	324,724.5	262,085.5	278,222.5	228,899.4

Explore Other Stocks In The Same Sector

VCB, CTG, MBB, TCB, VPB, HDB, ACB, SHB, LPB, TPB, VIB, STB, MSB, SSB, NAB, OCB, ABB, KLB, VAB, VBB, BAB, EIB, PGB, BVB, SGB, NVB

Need support? If you need support with content lookup or want to provide feedback about content on the website, please contact us below.

BID

Bank Picture

Drivers of BID's profit

Financial Highlights

Is credit clean?

Credit Quality ●

Is interest margin sustainable?

Interest Margin Quality ▼▼

Earnings Mix ●

Is liquidity safe?

Funding & Liquidity ▼▼

Profitability Quality ●

Investment Takeaway

Statement Data

Credit Quality

Interest Margin Quality

Earnings Mix

Funding & Liquidity

Profitability Quality