BIC Insurance Approves 12% Dividend for 2025, Exceeding Plan
This Aveluro analysis covers BIC. The classified event type is dividend announcement, with positive sentiment and a deterministic market-impact score of 4.8/10. Aveluro classifies this story as a positive catalyst in the stock's news coverage. Source coverage came from CafeF - Tài chính ngân hàng, classified as a primary/top-tier source.
Key Facts
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Overview
BIC Insurance Corporation (BIC), a subsidiary of BIDV, approved a 12% cash dividend for 2025 at its 2026 Annual General Meeting in Hanoi, exceeding the initial plan by 2%. The decision is backed by record pre-tax profit of nearly VND 680 billion in 2025, a five-year average profit growth of ~15%, and a high return on equity (ROE) of 17.4%.
Key Facts
- BIC approved a 12% dividend for 2025, 2% higher than the original plan.
- Consolidated pre-tax profit in 2025 reached nearly VND 680 billion, the highest ever and second in the non-life insurance market.
- Five-year average pre-tax profit growth: nearly 15% per year.
- Return on equity (ROE) in 2025: 17.4%.
- BIC maintains a solvency margin significantly above regulatory requirements.
- The dividend payout is based on three factors: strong financial performance, solid capital base, and long-term strategy balancing shareholder returns with investment.
- BIC is a subsidiary of BIDV, which guides its governance and strategy.
What Happened
At the 2026 Annual General Meeting in Hanoi, BIC Insurance Corporation approved a 12% dividend for 2025, exceeding the previously planned level. CEO Doan Thi Thu Huyen explained that the decision rests on three pillars: robust business results with stable profit growth, a strong financial foundation with ample solvency, and a long-term strategy that balances shareholder interests with reinvestment for technology, product development, and market expansion.
Despite challenges in the non-life insurance market from natural disasters and rising reinsurance costs, BIC’s consolidated pre-tax profit rose to nearly VND 680 billion in 2025, a record high and second in the industry. The company also reported high underwriting profitability and maintained a 17.4% ROE.
Market Context
BIC shares closed at VND 23,300 on May 20, 2026, unchanged from the previous session with low volume of 75,100 shares. The stock trades on HOSE. The non-life insurance sector in Vietnam has seen strong revenue growth in Q1 2026, with some players reporting over 80% year-on-year increases, though BIC’s specific Q1 figures were not detailed in the announcement.
Strategic Significance
The dividend increase signals BIC’s confidence in its earnings sustainability and capital adequacy. As a BIDV subsidiary, BIC benefits from bancassurance distribution and governance oversight. The company’s focus on underwriting profitability and cost control, reflected in high ROE and adequate reserves, positions it to navigate competitive pressures and regulatory changes. The 2026-2030 strategy emphasizes sustainable growth, efficiency, and safety, aligning with long-term shareholder value creation.
What to Watch
- Q1 2026 earnings release for BIC to assess revenue and profit trends.
- Updates on BIC’s market share in the non-life insurance sector.
- Implementation of the 2026-2030 strategic plan, including technology investments.
- Any changes in BIDV’s bancassurance strategy affecting BIC’s distribution.
- Regulatory developments in Vietnam’s insurance industry, particularly solvency requirements.