24 slides from Joint Stock Commercial Bank For Investment And Development Of Vietnam's earnings presentation, February 2026
Slide 1: 4Q2025 Results Update
4Q2025 Results Update February 2026
Slide 2: Contents
Contents Section 1 BIDV Profile Section 2 Economic Update Section 3 BIDV Business Performance Section 4 BIDV Growth Strategy & Targets Appendix Financial Summary 2
Slide 3: 1. BIDV Profile
1. BIDV PROFILE
Slide 4: First Bank Established in Vietnam with Close to 70 Years of Heritage
First Bank Established in Vietnam with Close to 70 Years of Heritage Establishment & Post IPO: Growth & Transformation Introduction of Foreign Strategic Investor Equitization Phase Formed 12 years after Implementation of growth strategies Ongoing initiatives to increase foreign participation Vietnam
Slide 5: Affirming Excellence: Awards & Ratings
Affirming Excellence: Awards & Ratings Recognition of market leadership through numerous prestigious awards The best retail bank in Vietnam The Best Custodian Bank in Vietnam Champion Security Award The Best FX Bank in Vietnam Top 2000 World’s Largest Public Leadership in Affluent Paymen
Slide 6: 2. Economic Update
ras < Pa oO = O = O 2 O O i N
Slide 7: Vietnam Has Been Enjoying Solid Top-tier Growth In The Region
Vietnam Has Been Enjoying Solid Top-tier Growth In The Region 20 Fastest growing economy in ASEAN-6 Growing income over the years Healthy retail sales growth after Covid 2025 Real GDP Growth (%) Vietnam GDP per Capita 2015-2025 (USD k) Vietnam retail sales growth (YoY) (%) 8.0% 5.0 4.7 60% 5.6% 4.2
Slide 8: Public Investment Overtaking FDI To Become The Key Growth Driver
Public Investment Overtaking FDI To Become The Key Growth Driver Trade activity continues to be strong Public investment key to drive 2025 growth Inflation broadly under control Vietnam trading volume (USD bn) Vietnam public investment (USD bn) Vietnam Inflation (%) 29 20 4 12 29 25 20 5.0% 475 455
Slide 9: Banking Sector Remains Resilient Amid Global Headwinds And Tariff Impact
Banking Sector Remains Resilient Amid Global Headwinds And Tariff Impact Improved asset quality since 2023; expected Continues to have one of the highest NIMs With a resilient loan growth stability with recovery in real estate in 2025 across Southeast Asian nations NPL ratio (%) 2025 Net Interest Ma
Slide 10: 3. BIDV Business Performance
3. BIDV BUSINESS PERFORMANCE
Slide 11: BIDV: FY25 Financial update
BIDV: FY25 Financial update VND 3,330,904 bn Continued momentum and strong growth in total assets Total Asset + 20% YoY 1st Vietnamese bank to breach ~VND3.3trn Customer VND 2,372,955 bn Loan book grew +15% YTD led by momentum in retail lending underpinned by Loans + 15% YoY competitive pricin
Slide 12: Balanced Portfolio, Robust Credit Quality
Balanced Portfolio, Robust Credit Quality Loan portfolio by customers Loan portfolio by industry 21 (4Q2025) (4Q2025) SME 18.7% Agriculture, forestry Corporate 22.9% & seafood 29.7% 29.8% Manufacturing and processing Electricity, petroleum & water Construction 24.2% 3.6% Wholesale & retail trade, Tr
Slide 13: Omnichannel Distribution Network Amassing The Largest Deposit Base
Omnichannel Distribution Network Amassing The Largest Deposit Base Customer Deposits by Customer A nationwide branch and transaction network 23 (4Q2025) Covering all provinces in Vietnam; ~40% of branches located in Ho Chi Minh City & Hanoi FI 18.5% 45.6% Individuals 176 Branches1 35.9% Corporate 92
Slide 14: Robust Non-Interest Income Supports Top-line Growth
Robust Non-Interest Income Supports Top-line Growth Total Operating Income Total Operating Expense (VND billion) (VND billion) +14% +3% 30,183 9,571 9,818 26,406 22,090 7,367 7,375 21,154 17,898 5,907 4Q2025 1Q2025 2Q2025 3Q2025 4Q2025 4Q2024 1Q2025 2Q2025 3Q2025 4Q2025 Net Interest Income Non-Inter
Slide 15: #1 Retail Franchise Underpinned by Successful Retail-focused Strategy
#1 Retail Franchise Underpinned by Successful Retail-focused Strategy Retail Deposits Retail Loans Retail Loans by industry (VND billion) (4Q2025; VND billion) (4Q2025) +9% 1,110,000 1,110,000 1,108,840 1,103,040 #1 1.0% 1,078,067 1,017,140 32.1% 34.7% Mortgage loans Production and business loans Co
Slide 16: Driving Innovation In The Digital Era
Driving Innovation In The Digital Era Digital core strengthened to scale volume and efficiency New Core Banking optimized: Go-live in September 2023; High resilience and scale: 13.3 billion financial transactions Transaction processing time reduced by half to within 5ms processed in 2024, +80% Y
Slide 17: Pioneering Role In Building The 'Green Bank'
Pioneering Role In Building The ‘Green Bank’ Green credit growth Green Credit Projects 2,502 4.24% 4.01% 3.50% 2,132 3.65% 1,982 3.30% 1,718 82,332 80,870 74,177 54,382 585 44,012 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 Outstanding balance of green credit (VND billion) Ratio of green credi
Slide 18: 4. BIDV Growth Strategy and Targets
4. BIDV GROWTH STRATEGY AND TARGETS
Slide 19: Strategy And Growth Targets
Strategy And Growth Targets VISION Top 100 Banks in Asia Leading Bank in Southeast Asia Best Digital Platform in Vietnam Maintain a leading position in Vietnam in terms of scale, especially across the retail, SME, and FDI customer segments. Scale Become a comprehensive financial institution with
Slide 20: Capital Raising Plan
Capital Raising Plan1 (through Private placement or Public offering) Total scale of Potential offering Investors (i) Private placement: Subject to the Financial Investors approval of the (ii) Public offering: all General Meeting of qualified investors Shareholders Price Share type mechanism Complian
Slide 21: Appendix 1: Financial Summary
APPENDIX 1: FINANCIAL SUMMARY
Slide 22: Financial Summary
Financial Summary (VND billion) 4Q25 2025 Income Statement 4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025 vs 4Q24 vs 2024 Net interest income 15,634 13,946 14,992 15,173 19,247 58,003 63,357 23% 9% Net fee & commission income 1,970 1,539 1,887 1,734 1,786 7,077 6,945 -9% -2% Total operating income 26,442 17,898
Slide 23: Formulas
Formulas Indicators Formula Provision for credit losses on loans to customers NPL coverage ratio NPL balance Provision expenses for credit losses Credit cost Average gross loans (open and ending balances) Net interest income on interest earning assets Net interest margin (NIM) Average interest earni
Slide 24: Disclaimer
Disclaimer This Presentation (the Presentation) has been prepared by IR Team - BIDV for the purpose of setting out certain confidential information in respect of BIDV’s business activities and strategy. This Presentation is for the exclusive use of the recipients to whom it is addressed. This presen