Total assets🐟 reached over VND2.08 quadrillion, an increase of 20.8 percent compared to 2021. BIDV is the first commercial bank to surpass the milestone of VND2 quadrillion in total assets, and continues to be the largest commercial bank in Vietnam by total assets.

Mobilized capitalꦛ met the needs for capital use, ensuring the system liquidity. The total mobilized capital reached VND1.95 quadrillion; of which capital mobilized from organizations and individuals reached VND1.62 quadrillion, up 8.8 percent compared to the beginning of the year; accounting for 13.7 percent of market share of deposits of the whole banking industry.

Outstanding credit and investments ဣreached over VND1.95 quadrillion, up 18.7 percent compared to 2021; of which loans to economic organizations and individuals reached VN1.5 quadrillion, up 12.65 percent compared to 2021 in compliance with the credit limit assigned by the State Bank of Vietnam (maximum 12.7 percent), accounting for 12.6 percent of credit balance of the whole economy. BIDV ranked first in terms of lending market share among the joint stock commercial banks.

Credit quality♎ was controlled within limits: Non-performing loan ratio according to Circular 11/2021/TT-NHNN was controlled at 0.96 percent, completing the plan assigned by the General Meeting of Shareholders as well as the orientation of the State Bank (<1.6 percent). The non-performing loan coverage ratio reached 226 percent.

Business performance♏ was positive compared to the same period last year, exceeding the plan set out for 2022. Separate profit before tax reached over VND22.5 trillion, up 79.4 percent compared to 2021, completing 112 percent of the plan assigned by the General Meeting of Shareholders. Consolidated profit before tax reached over VND23 trillion, up 69.8 percent compared to 2021, completing 112 percent of the plan assigned by the General Meeting of Shareholders. BIDV has preserved and developed the State capital, ensuring the interests of shareholders and employees. BIDV's owners‘ equity reached over VND96 trillion, up 19.5 percent compared to 2021. BIDV paid VND6,044 billion, to the State budget. Market capitalization was VND195.3 trillion, an increase of more than 4 percent compared to 2021, ranking third in Vietnam's stock market.

Profitability 🦩indicators of the system improved positively compared to 2021 with ROA and ROE reaching 0.95 percent and 20.32 percent, respectively. The capital adequacy ratio (CAR) of the banking business alone was 8.92 percent, ensuring compliance with regulations of the State Bank in Circular 41/2016/TT-NHNN dated 30 December 2016. The loan-to-deposit ratio (LDR) of the commercial banking business reached 83.05 percent, meeting the regulations of the State Bank (≤85 percent) as stipulated in Circular No. 22/2019/TT-NHNN dated 15 November 2019. The ratio of short-term capital used for medium-term and long-term loans, the ratio of liquidity reserves, the solvency ratio and other safety indicators met the regulation and international practice.