VIB – Update – Earnings growth signed bottoming in 3Q2024

Posted:13/03/2025

  • Net profit rose significanty by 20.1% QoQ in 4Q2024 signing for stronger recovery of earnings growth in 2025;
  • Although asset quality has not fully recovered, there are signs of bottoming out proven by significant decrease of group 2 loans ratio;
  • We maintain HOLD recommendation for VIB due to lowering net profit forecast for 2025F/2026F and remained target P/B at 1.3x.
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