Joint Stock Commercial Bank For Investment And Development Of Vietnam · HOSE:BID
Joint Stock Commercial Bank For Investment And Development Of Vietnam — Bank for Investment and Development of Vietnam (BIDV) — Non-Deal Roadshow (February 2026)
33 slides from Joint Stock Commercial Bank For Investment And Development Of Vietnam's roadshow presentation, February 2026
Slide 1: Bank for Investment and Development of Vietnam (BIDV)
Bank for Investment and Development of Vietnam (“BIDV”) February 2026 0 RESTRICTED
Slide 2: Disclaimer
Disclaimer IMPORTANT: You must read the following before continuing. In accessing the attached summary information presentation (this “presentation”), you agree to be bound by the following terms and conditions. This presentation has been prepared by Bank for Investment and Development of Vietnam JS
Slide 3: Table of Contents
Table of Contents 1 Macroeconomic & Sector Overview 2 BIDV Overview 3 Company Highlights 4 Growth Targets Appendix: BIDV Financial Update Appendix: Financial Summary 2 RESTRICTED
Slide 4: 1. Macroeconomic & Sector Overview
1. Macroeconomic & Sector Overview 3 RESTRICTED
Slide 5: Vietnam has Been Enjoying Solid Top-tier Growth in the Region
Vietnam has Been Enjoying Solid Top-tier Growth in the Region 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% 4.3 4.2 5.6%
Slide 6: 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 20 29 5
Slide 7: Strong Equity Market Momentum Supported by Positive Catalysts and Underlying Resilience
Strong Equity Market Momentum Supported by Positive Catalysts and Underlying Resilience VN-Index performance reflecting strong trust in Vietnam, with rapid recovery from prior tariff setbacks in April 2025 VN-Index performance – L2Y 2,000 02 Apr 2025: Liberation Day, US announced tariff 1,800 on tra
Slide 8: New Wave of Regulatory Reforms in Vietnam Unlocking Growth
New Wave of Regulatory Reforms in Vietnam Unlocking Growth Government-led regulatory reforms driving economic modernization, capital market upgrades and accelerated digital transformation Outlines Government’s strategic transformation of the state-owned enterprises by removing bureaucratic bottlen
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 One of the highest NIMs across Southeast Resilient loan growth Asian nations Gross customer loans (USD bn) NPL ratio (%) 2025 Net Interest Margin (%) Strong credit growth at 19% in 2025 (highes
Slide 10: 2. BIDV Overview
2. BIDV Overview 9 RESTRICTED
Slide 11: First Bank Established in Vietnam with Close to 70 Years of Heritage
First Bank Established in Vietnam with Close to 70 Years of Heritage Enhancing capital strength and expanding foreign investor base through a successful private placement in early 2025 Establishment & Post IPO: Growth & Transformation Introduction of Foreign Strategic Investor Equitization Phase For
Slide 12: BIDV: Vietnam's National Banking Champion
BIDV: Vietnam’s National Banking Champion Key Statistics Shareholding Structure As of 31st Dec 2025 Bank in Vietnam by Total assets One of the Big 4 State-owned Commercial Banks #1 Gross loans State Bank of 79.56% Customer deposits Supported by the largest nationwide network1 Vietnam Retail
Slide 13: Key Business Segments
Key Business Segments A Retail banking B Corporate banking C SME banking USD 91bn Gross loans 17% Loan Mix1 47% 36% ~26.9m ~112k ~400k Retail customers Corporate customers SME customers #1 #1 #1 By retail customers in Vietnam By corporate customers in Vietnam By SME customers in Vietnam Corporate Lo
Slide 14: 3. Company Highlights
3. Company Highlights 13 RESTRICTED
Slide 15: Key Highlights
Key Highlights Vietnam’s banking leader in terms of scale and network 1 #1 in scale: total assets, total loan, retail loan and deposits #1 branch network with coverage of all 34 provinces across Vietnam with >1k+ branches1 Providing a modern retail banking experience to over 26 million customers 2 D
Slide 16: Vietnam's banking leader in terms of scale and retail loan book
1 Vietnam’s banking leader in terms of scale and retail loan book Undisputed #1 Bank in Vietnam #1 in Loans, achieved credit growth 15% Top 10 listed banks by total assets as of 31 December 2025 (USD bn) Total and Retail loans as of 31 Dec 20251 (USD bn) 128 #1 106 91.1 94 62 48 76.6 46 39 64.4 36 3
Slide 17: Vietnam's banking leader in terms of network to capture customer deposits
1 Vietnam’s banking leader in terms of network to capture customer deposits #1 physical distribution network1 in Vietnam Diversified and stable funding Covering all 34 provinces in Vietnam; Mobilized capital (2025) Customer deposits mix (2025) ~40% of branches located in Ho Chi Minh City & Hanoi 7%
Slide 18: Providing a modern retail banking experience to over 26 million customers
2 Providing a modern retail banking experience to over 26 million customers Steady rise in Retail Customers SmartBanking: User friendly platform with full services for retail customers Retail customers (million) Debit card E-wallet and credit cards 28 26.9 SmartBanking app designed 26 24.4 for retai
Slide 19: Comprehensive transformation with a focus on digitalization
3 Comprehensive transformation with a focus on digitalization Continued efforts to focus on digital transformation Launched BIDV Digital 2024: Deployed first Launched BIDV AI and Transformation Data Strategy (2026- Launched Chatbot GenAI Private Cloud system in Strategy Development Vietnam 2030) Dev
Slide 20: Promoting green credit portfolio, pioneering in sustainable development
4 Promoting green credit portfolio, pioneering in sustainable development BIDV offers rare scale, proven underwriting, sovereign-aligned decarbonization positioning and validated access to ESG capital pools Market leadership Strategic sector focus Largest green credit portfolio in Vietnam; ~11.5% ma
Slide 21: Attractive and strong dividend policy
5 Attractive and strong dividend policy Strong dividend payout policy over the L5Y Self-funded growth by Strong retained earnings USDm Dividend payout1 700 28% Cash Stock dividend 27% 610 30% 600 538 13% 21% 25% 500 460 20% 400 15% 26% 300 249 10% 4.5% 200 146 5% 100 0% 2% 0 2020 2021 2022 2023 2024
Slide 22: 4. Growth Targets
4. Growth Targets 21 RESTRICTED
Slide 23: BIDV Targets
BIDV 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 a fully connec
Slide 24: Shareholding Structure & Capital Raising Plan
Shareholding Structure & Capital Raising Plan In the first quarter of 2025, with HSBC&SSI as Joint Bookrunners, BIDV successfully completed a private placement of 123.8 million shares to Dragon Capital and SCIC. In early 2025, AGM approved the capital raising plan to increase its charter capital b
Slide 25: Conclusion
Conclusion Successful Retail Overhaul alongside a Vietnam’s Banking Leader Robust Corporate & SME Customer base Poised for Profitability Growth Boosting efficiency through digital With Technology-driven Expansion transformation and improved human capital 24 RESTRICTED
Slide 26: Appendix. BIDV Financial Update
Appendix. BIDV Financial Update 25 RESTRICTED
Slide 27: BIDV: FY25 Financial update
BIDV: FY25 Financial update USD 128bn Continued momentum and strong growth in total assets Total assets 1st Vietnamese bank to breach ~USD125bn (VND3.3trn) + 20% YoY Customer USD 91bn Loan book grew +15% YoY led by momentum in retail lending underpinned by competitive pricing and Loans + 15% Y
Slide 28: Resilient Operating Metrics
Resilient Operating Metrics BIDV Industry average1 Cost-to-Income Ratio Net Interest Margin 36.5% 36.3% 3.9% 4.0% 3.7% 3.9% 34.5% 3.4% 3.3% 3.2% 34.2% 3% 35.5% 33.9% 35.0% 2.5% 33.1% 2.5% 2.4% 2.3% 2.2% 2.2% 32% 35.0% 33.4% 2.2% 2.2% 33.0% 33.4% 32.0% 33.0% 31% 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q2
Slide 29: Appendix. Financial Summary
Appendix. Financial Summary 28 RESTRICTED
Slide 30: Financial Summary (1/2)
Financial Summary (1/2) (USD million) Income Statement 2021 2022 2023 2024 2025 21-25 CAGR Net interest income 1,801 2,152 2,159 2,231 2,437 8% Net fee & commission income 254 217 253 272 267 1% Total operating income 2,404 2,672 2,808 3,118 3,512 10% Operating expense (749) (874) (965) (1,076) (1,1
Slide 31: Financial Summary (2/2)
Financial Summary (2/2) (USD million) 4Q25 2025 Income Statement 3Q24 4Q24 1Q25 2Q25 3Q25 4Q24 4Q25 vs 4Q24 vs 2024 Net interest income 538 601 536 577 584 601 740 23% 9% Net fee & commission income 57 76 59 73 67 76 69 -9% -2% Total operating income 664 1,016 688 850 814 1,016 1,161 14% 13% Operati
Slide 32: 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 33: Thank you
Thank you 32 RESTRICTED
Bank for Investment and Development of Vietnam (BIDV) — Non-Deal Roadshow (February 2026) on 6ix