29 slides from Joint Stock Commercial Bank For Investment And Development Of Vietnam's earnings presentation, August 2026
Slide 1: BIDV Results for the first half ended 30 June 2026
PBT and Credit growth is on track to reach 2026 targets Asset quality remains key governance priorities BIDV Results for the first half ended 30 June 2026 Financial update, Consolidated August 2026 1
Slide 2: Agenda
PBT and Credit growth is on track to reach 2026 targets Asset quality remains key governance priorities 1 Operating environment 3 Funding, lending & asset quality 5 Digital & AI transformation 2 1H2026 Results 4 Profit mix 6 Appendix 2
Slide 3: Operating environment
PBT and Credit growth is on track to reach 2026 targets Asset quality remains key governance priorities Operating environment 1 3
Slide 4: Strong GDP growth supports credit demand, while inflation remains the key constraint on monetary easing
Strong GDP growth supports credit demand, while inflation remains the key constraint on monetary easing Vietnam GDP grew 8.18% in 1H2026, supported by public investment, manufacturing/FDI and domestic demand. GDP, 1H2026 Average CPI, 7M2026 USD/VND, 7M2026 Manufacturing PMI, Jul 2026 8.18% 4.39% Bro
Slide 5: System liquidity has improved, creating a more supportive backdrop for 2H2026 loan growth
System liquidity has improved, creating a more supportive backdrop for 2H2026 loan growth Interbank rates have moderated from early-year highs, while regulatory changes to LDR treatment provide additional balance-sheet flexibility. SECTOR vs BIDV Credit growth (30/6) Deposit growth System-wide 6M: +
Slide 6: System liquidity has improved, creating a more supportive backdrop for 2H2026 loan growth
System liquidity has improved, creating a more supportive backdrop for 2H2026 loan growth Interbank rates have moderated from early-year highs, while regulatory changes to LDR treatment provide additional balance-sheet flexibility. POLICIES term State Treasury deposits counted in LDR: 20% »50% effec
Slide 7: 1H2026 Results
PBT and Credit growth is on track to reach 2026 targets Asset quality remains key governance priorities 1H2026 Results 2 7
Slide 8: Strong double-digit earnings growth underpinned by core income and operating leverage
Strong double-digit earnings growth underpinned by core income and operating leverage 1H2026 pre-tax profit reached VND18.9tn, up 17.9% YoY, driven primarily by 15.9% growth in net interest income and continued cost discipline. VND Billion YTD YoY Total assets 3,440,844 +3.3% +15.0% Customer loans 2
Slide 9: Funding, lending & asset quality
Funding, lending & asset quality 3
Slide 10: Term deposits and securities issuance increased as BIDV proactively reshaped its funding mix
Term deposits and securities issuance increased as BIDV proactively reshaped its funding mix Gross customer deposits reach VND 2,572 tn, 4.8% YTD CUSTOMER DEPOSITS BY TYPE DEPOSIT BY SEGMENT VND Trillion 2,223 2,262 31/12/25 30/6/26 YTD 5 6 10 10 YTD +0.3pp 18.5% 19.1% +1.7% −0.9pp −14.3 45.6% 45.9%
Slide 11: Strong credit demand from corporate segment
Strong credit demand from corporate segment Loan book grew +5.4% YTD, reached VND 2,502tn Manufacturing sector and Services lending grew 13.2% and 20.4% in the half FDI loan book increased 36% VND Trillion 2,373 2,502 BY INDUSTRY 2,373 2,502 BY TENOR 92 85 107 104 114 108 YTD YTD 397 767 817 350 +5.
Slide 12: Retail growth moderated, but portfolio mix continued to shift toward higher-yielding products
Retail growth moderated, but portfolio mix continued to shift toward higher-yielding products Retail asset quality remains broadly stable VND Billion Retail loan balance Retail NPL ratio Number of retail customers Retail deposits 1,132,754 1.00% 26.5 million 1,169,728 +2.7% YTD +0.05pp +2.4 million
Slide 13: NPL increase as coverage moderated, while credit cost remained contained
NPL increase as coverage moderated, while credit cost remained contained NPL by Circular 31 is 1.59%, below 1.6% target NPL coverage declined to 75.9% from 99.9% at year-end 2025 as NPLs increased while total loan-loss reserves remained broadly stable. NPL* / CREDIT COST NPL COVERAGE NPL Target FY26
Slide 14: Profit mix
Profit mix 4 O BIDV@
Slide 15: Net interest income remained the primary earnings driver, while non-interest income was mixed
Net interest income remained the primary earnings driver, while non-interest income was mixed PBT reach VND 18,905bn in 1H26, +17.9% YoY NII increased 15.9% YoY in 1H2026 and 18.8% YoY in 2Q2026; Fee income continued to grow, while FX and securities income softened. VND Billion 2Q26 1H26 1H25 2QYoY
Slide 16: NII contributed more than the total increase in PBT, while market income and higher costs partially offset the gain
NII contributed more than the total increase in PBT, while market income and higher costs partially offset the gain PBT Added Gave back VND Billion +4,601 −404 +1,091 −840 −940 −642 18,905 16,039 Net interest Fee, other Operating 1H25 PBT FX Securities Provisions 1H26 PBT income & dividend expense B
Slide 17: Payments and trade finance remained the key fee-growth engines
Payments and trade finance remained the key fee-growth engines Net fee income increased 4.6% to VND3.6tn, supported by payments and trade finance, while insurance and account-related fees remained under pressure. VND Billion 3,426 3,585 +4.6% YoY 579 561 -3.20% 64 67 308 −4.0% 345 399 399 −10.8% 461
Slide 18: A more diversified mix of recurring fees partly offset weaker market-related income
A more diversified mix of recurring fees partly offset weaker market-related income Non-interest income reached VND10.8tn, down 2.3% YoY, reflecting a clear divergence between recurring fee income and market-related income. VND Billion Non-interest Net-interest income income 7,1% +15.9% -2.3% 33,538
Slide 19: Strong operating leverage remains a key support to earnings growth
Strong operating leverage remains a key support to earnings growth Operating expenses 1H26 increased only 6.3%, materially below income growth, bringing CIR down to 31.8%. VND Billion 33.0% 33.0% 33.4% 32.0% 31.7% 31.8% 2Q25 3Q25 4Q25 1Q26 2Q26 1H26 TOI Income growth less cost growth CIR 44,335 +10.
Slide 20: Stronger capital provides additional capacity for growth and risk absorption
Stronger capital provides additional capacity for growth and risk absorption Consolidated CAR reached 10.01% at 30 June 2026, up approximately 65bps YTD CAR — CONSOLIDATED DIVIDEND PAYOUT Stock dividend Cash dividend 10% 9.6% 9.6% 9.4% 9.3% 24.8% 26% 21% 13% 2Q25 3Q25 4Q25 1Q26 2Q26 2% 4.5% 4.5% 202
Slide 21: 2026 Plan and 2026-2030 Targets
2026 Plan and 2026-2030 Targets PROGRESS 1H2026 PBT Credit growth NPL ratio NPL coverage 18,905 VND Billion +5.4% YTD 1.83% 75.90% KEY TARGET FY2026 PBT Credit growth NPL ratio NPL coverage Subject to State authority approval 10.66% SBV credit quota ≤1.60% 80-90% 2026-2030 Total asset growth, annual
Slide 22: Digital & AI transformation
Digital & AI transformation 5
Slide 23: Digital has moved beyond channel migration and is increasingly contributing to earnings and efficiency
Digital has moved beyond channel migration and is increasingly contributing to earnings and efficiency Approximately 95% of transactions are conducted through digital channels, while digital banking is becoming a measurable contributor to earnings. Net income from digital banking 1H26 7,138 ≈ 16.9%
Slide 24: Digital has moved beyond channel migration and is increasingly contributing to earnings and efficiency
Digital has moved beyond channel migration and is increasingly contributing to earnings and efficiency Approximately 95% of transactions are conducted through digital channels, while digital banking is becoming a measurable contributor to earnings. Open platform BIDV Open API 504 registered partners
Slide 25: AI is moving from pilot projects toward measurable business value
AI is moving from pilot projects toward measurable business value AI-related initiatives generated approximately VND21bn of measurable financial benefits in 1H2026, marking the transition from experimentation to production-scale deployment. Financial benefit 1H26 AskBee assistant IT Assistant Docume
Slide 26: Appendix
PBT and Credit growth is on track to reach 2026 targets Asset quality remains key governance priorities Appendix 6 26
Slide 27: Quarterly summary
Quarterly summary Discrete quarters. Ratios are period-end or annualised as labelled. VND Billion 2Q25 3Q25 4Q25 1Q26 2Q26 Total assets 2,991,671 3,071,970 3,330,826 3,388,222 3,440,844 Gross customer loans 2,179,880 2,237,119 2,372,955 2,429,610 2,501,807 Customer deposits 2,074,788 2,087,181 2,222
Slide 28: Formulas
Formulas INDICATORS FORMULA NPL coverage Provision for credit losses on loans to customers NPL balance Credit cost Provision expenses for credit losses Average gross loans (open and ending balances) Net interest margin (NIM) Net interest income on interest earning assets Average interest earning ass
Slide 29: Investor Relations contact
Investor Relations contact BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM CONTACT: NGUYEN NU THUY HIEN hiennnt@bidv.com.vn NGUYEN XUAN THIEU thieunx@bidv.com.vn NGUYEN PHI LONG longnp2@bidv.com.vn ADDRESS: BIDV TOWER, 194 TRAN QUANG KHAI, HOAN KIEM, HANOI This presentation is for information only an