Vietnam International Commercial Joint Stock Bank (STC:VIB) Net Loan: ₫429,395,899 Mil (As of Mar. 2026)

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STC:VIB Vietnam International Commercial Joint Stock Bank STC:VIB
78 GF Score
Price ₫15,500.00
GF Value ₫17,414.92
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Vietnam International Commercial Joint Stock Bank Net Loan?

Vietnam International Commercial Joint Stock Bank STC:VIB -2.82% 78 Net Loan is ₫429,395,899 Mil as of Mar. 2026. GuruFocus rates STC:VIB with a GF Score™ of 78/100 and a GF Value™ of ₫17,414.92 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Vietnam International Commercial Joint Stock Bank's quarterly net loan declined from Sep. 2025 (₫432,550,587 Mil) to Dec. 2025 (₫421,962,341 Mil) but then increased from Dec. 2025 (₫421,962,341 Mil) to Mar. 2026 (₫429,395,899 Mil).

Vietnam International Commercial Joint Stock Bank's annual net loan increased from Dec. 2023 (₫273,870,048 Mil) to Dec. 2024 (₫421,962,341 Mil) and increased from Dec. 2024 (₫421,962,341 Mil) to Dec. 2025 (₫429,395,899 Mil).

Vietnam International Commercial Joint Stock Bank Net Loan Historical Data

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The historical data trend for Vietnam International Commercial Joint Stock Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Vietnam International Commercial Joint Stock Bank Net Loan Chart

Vietnam International Commercial Joint Stock Bank Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial 215,352,220.00 253,618,028.00 273,870,048.00 373,866,011.00 421,962,341.00

Vietnam International Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 388,246,997.00 407,498,762.00 432,550,587.00 421,962,341.00 429,395,899.00
STC:VIB
78GF Score
Vietnam International Commercial Joint Stock Bank STC:VIB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Vietnam International Commercial Joint Stock Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₫429,395,899 Mil mean?
Vietnam International Commercial Joint Stock Bank (STC:VIB) has a Net Loan of ₫429,395,899 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Vietnam International Commercial Joint Stock Bank and its competitors.
Is Vietnam International Commercial Joint Stock Bank's Net Loan too high?
Vietnam International Commercial Joint Stock Bank's current Net Loan is ₫429,395,899 Mil. Overall, Vietnam International Commercial Joint Stock Bank has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam International Commercial Joint Stock Bank's Net Loan compare to competitors?
Vietnam International Commercial Joint Stock Bank's Net Loan of ₫429,395,899 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Vietnam International Commercial Joint Stock Bank and its competitors. Vietnam International Commercial Joint Stock Bank's current Net Loan is ₫429,395,899 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam International Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam International Commercial Joint Stock Bank (STC:VIB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫17,414.92, compared to a current price of ₫15,500.00 — trading 11% below its estimated fair value. The current Net Loan is ₫429,395,899 Mil. Vietnam International Commercial Joint Stock Bank's overall GF Score™ is 78/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Vietnam International Commercial Joint Stock Bank (STC:VIB), the current Net Loan is ₫429,395,899 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Vietnam International Commercial Joint Stock Bank (STC:VIB) Overvalued in 2026?

Based on GuruFocus' analysis, Vietnam International Commercial Joint Stock Bank stock appears to be undervalued. The current stock price of ₫15,500.00 is trading 11% below its estimated GF Value™ of ₫17,414.92. GuruFocus considers Vietnam International Commercial Joint Stock Bank to be Modestly Undervalued.

Key valuation signals for STC:VIB:

  • Net Loan: ₫429,395,899 Mil
  • GF Value™: ₫17,414.92 vs. price of ₫15,500.00 (11% below fair value)
  • GF Score™: 78/100 with 2 warning signs

No single metric tells the full story. See the STC:VIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Vietnam International Commercial Joint Stock Bank Business Description

Address No. 111A Pasteur Street, 1st floor (ground floor) and 2nd floor - Sailing Tower Building, Ben Nghe Ward, District 1, Ho Chi Minh, VNM
Vietnam International Commercial Joint Stock Bank is a joint stock commercial banks in Vietnam. The company's services includes credits, payment card, savings, car loans, home loans, consumer loans, insurance, digital banking, payment accounts, among others. It operates Domestically and Internationally as well.
78GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫15,500.00
Price
₫17,414.92
GF Value