25 slides from Joint Stock Commercial Bank For Investment And Development Of Vietnam's earnings presentation, August 2025
Slide 1: 2Q2025 Results Update
2Q2025 Results Update August 2025
Slide 2: Contents
Contents Section 1 BIDV Profile Section 2 Business Performance Section 3 Economic Update Section 4 BIDV Growth Strategy & Targets Appendix 1 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 The Best FX Bank in Vietnam Top 2000 World’s Largest Public Companies 07 IT awards at Sao Khue awards 2025 The Best
Slide 6: 2. Business Performance
2. BUSINESS PERFORMANCE
Slide 7: BIDV: 2Q25 Financial update
BIDV: 2Q25 Financial update VND 2,991,671 bn Total assets reached nearly VND 3 quadrillion, reaffirming BIDV’s position as the Total Asset + 19% YoY largest joint-stock commercial bank in Vietnam by asset size + 8.4% YTD Customer VND 2,179,880 bn Loan book grew +15.8% YoY led by momentum in reta
Slide 8: Balanced Portfolio, Robust Credit Quality
Balanced Portfolio, Robust Credit Quality Trend in Gross Customer Loans Loan portfolio by customers Loan portfolio by industry 21 (VND billion) (2Q2025) (2Q2025) 15.8% 2,179,880 2,056,082 2,107,330 6.0% SME 1,953,065 Agriculture, forestry 1,882,815 16.8% & seafood Corporate 20.5% 25.8% Manufacturing
Slide 9: Omnichannel Distribution Network Amassing The Largest Deposit Base
Omnichannel Distribution Network Amassing The Largest Deposit Base Customer Deposits by Customer #1 distribution network1 in Vietnam 23 (2Q2025) Corporate Covering all provinces in Vietnam; 10.5% ~40% of branches located in Ho Chi Minh City & Hanoi 188 36.0% 53.5% Individuals Branches2 SME 930 Trans
Slide 10: 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) +9% +10% 26,406 9,382 22,090 20,225 7,367 6,708 17,259 17,898 6,307 5,907 2Q2024 3Q2024 4Q2025 1Q2025 2Q2025 2Q2024 3Q2024 4Q2024 1Q2025 2Q2025 Net Interest Income Non-Inter
Slide 11: #1 Retail Franchise Underpinned by Successful Retail-focused Strategy
#1 Retail Franchise Underpinned by Successful Retail-focused Strategy Retail Deposits Retail Loans (VND billion) (2Q2025; VND billion) +15% 1,078,067 1,110,000 1,038,224 #1 997,900 1,017,140 964,993 2Q2024 3Q2024 4Q2024 1Q2025 2Q2025 Retail Loans by industry Number of retail customers (2Q2025) (m) +
Slide 12: Retail Banking Model Transformation
Retail Banking Model Transformation Segmentation-led growth Omnichannel distribution expansion 1 2 Targeting 3 priority segments: Mass, Mass Affluent, Digital and branch model uplift with redesigned network Premier formats; to promote sales and advisory ~22m individual customers, +2m new custo
Slide 13: Driving innovation in the digital era
Driving innovation in the digital era Backed by flagship digital banking applications BIDV’s digital banking vision 2030 - Become the leading financial Retail banking Corporate banking Lifestyle institution in Southeast Asia with the best digital platform in Vietnam, and strive to be among the 100
Slide 14: BIDV's Digital Transformation Journey: A Decade of Innovation
BIDV's Digital Transformation Journey: A Decade of Innovation 2015: Foundation 2020: Pioneering 2022: Expanding 2024: Cloud & & First Steps Digital Credit Digital Ecosystem Internal Digitization Introduced BIDV Omni Deployed Vietnam's first IT integration with Launched Virtual Private Cloud in banki
Slide 15: Pioneering Role in Building The 'Green Bank'
Pioneering Role in Building The ‘Green Bank’ Outstanding Hydropower and Solar power projects Green credit growth financed by BIDV 4.2% 4.0% 4.0% 2.132 3.7% 1.982 1.946 3.3% 1.718 1.643 1.624 1.608 1.418 80,870 78,930 74,177 54,382 585 44,012 491 2021 2022 2023 2024 1H2025 2021 2022 2023 2024 1H2025
Slide 16: 3. Economic Update
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Slide 17: 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 2Q2025 Real GDP Growth (%) Vietnam GDP per Capita 2015-2024 (USD) Vietnam retail sales growth (YoY) (%) 7.2% 4.7 4.3 60% 6.0% 4.2
Slide 18: Public investment overtaking FDI to become the key growth driver for 2025-26
Public investment overtaking FDI to become the key growth driver for 2025-26 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 (%) 20 4 12 29 25 12 7 24
Slide 19: Vietnam banking sector remains resilient with stable performance in 1H25
Vietnam banking sector remains resilient with stable performance in 1H25 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 na
Slide 20: 4. Growth Strategy and Targets
4. GROWTH STRATEGY AND TARGETS
Slide 21: Strategy and growth targets
Strategy and growth targets VISION Top 100 Banks in Asia Leading Bank in Southeast Asia Best Digital Platform in Vietnam Become #1 bank in terms of customer base, total assets, lending, deposits, total operating income, PBT, Scale network coverage and business ecosystem Asset quality Strengthen asse
Slide 22: Capital raising plan
Capital raising plan (through Private placement or Public offering) Total scale of Potential offering Investors (i) Private placement: ~3.84% of charter Financial Investors capital as of March 31, (ii) Public offering: all 2025 qualified investors) Price Share type mechanism Compliance with legal re
Slide 23: Appendix 1: Financial Summary
APPENDIX 1: FINANCIAL SUMMARY
Slide 24: Financial Summary
Financial Summary (VND billion) 2Q25 1H25 Income Statement 2Q24 3Q24 4Q24 1Q25 2Q25 6M24 6M25 vs 2Q24 vs 1H24 Net interest income 14,838 13,990 15,639 13,946 14,992 28,379 28,937 1% 2% Net fee & commission income 1,939 1,475 1,968 1,539 1,887 3,632 3,426 -3% -6% Total operating income 20,225 17,259
Slide 25: Important Notice
Important Notice 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