222 shareholders representing 85% of voting rights attended VIB’s AGM on March 15, 2023. The Q&A session focused on the bank’s core performance outlook and risk profile.

2023 guidance includes credit growth of 25.0% YoY, funding (including customer deposits and valuable papers) growth of 26.2% YoY, an NPL ratio of below 3%, and profit before tax (PBT) of VND12.2tn (USD519mn; +15.3% YoY). 2023G ROE and ROA are 27.1% and 2.6%, respectively.

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