2,416
RevenueVND B
9,457
10,122
10,832
11,767
12,851
13,927
14,990
16,155
17,697
19,261
2,570
8.43%
8.45%
46
17.23
Revenue growth%
30.30
27.79
25.54
28.34
28.35
27.79
25.54
28.13
30.37
32.99
8.69
28.13
28.24
52
10.44
NIM%
24.98
26.43
24.07
26.69
28.40
31.07
28.77
28.83
28.75
28.99
10.64
28.83
28.58
29
12.79
Effic. R.%
0.40
0.40
0.40
0.40
0.40
1.00
1.81
3.62
5.26
8.06
5.57
3.62
0.70
37
27.94
Net margin%
23.08
24.75
22.14
23.77
25.66
24.97
26.68
26.75
28.08
26.24
9.41
26.68
25.32
61
19.84
P/E ratio (avg)x
16.96
17.22
18.44
18.53
22.13
25.32
27.84
28.60
32.96
39.13
21.45
28.60
23.72
24
34.44
P/TBVx
33.99
35.32
38.54
41.40
41.18
35.99
38.37
40.94
35.54
35.86
14.30
35.99
37.18
43
37.33
P/Bx
16.62
14.48
13.80
14.35
12.58
13.15
11.58
10.51
10.84
9.587
12.92
10.84
12.87
64
14,074
NIIVND B
5,793
6,273
6,723
7,224
7,798
8,647
9,146
9,871
10,808
11,885
14,878
8.79%
8.51%
—
11.41
NII grth%
11.92
14.20
12.59
14.02
16.54
14.40
16.21
14.33
15.57
14.78
17.02
14.78
14.37
68
14.19
ROTE%
6.09
3.31
1.76
0.44
2.71
2.84
2.37
0.94
0.40
0.40
25.68
0.94
2.07
83
21.07
Return on equity%
3.77
2.27
4.85
1.97
3.83
5.93
4.23
2.29
0.40
1.39
13.06
2.29
3.03
44
23.79
Return on assets%
15.92
13.50
11.79
13.92
14.20
14.19
15.65
17.85
15.50
15.00
18.31
15.50
14.60
47
960.04
EPSVND
1,378
1,397
1,427
1,592
1,480
1,407
1,546
1,520
1,669
1,598
1,007
1.55%
0.38%
—
2.80
EPS growth%
12.34
14.15
13.43
12.45
11.62
14.61
16.26
17.42
17.49
20.43
24.51
17.42
14.38
83
2,114
Bookvalue per shVND
1,245
1,198
1,344
1,496
1,691
1,848
1,962
1,947
2,023
1,908
1,054
2.44%
5.00%
—
1,148
TBV/shVND
2,083
2,137
2,186
2,071
1,874
1,744
1,964
2,109
2,046
1,996
884.94
1.28%
(0.92%)
—
1,840
Dividend per shVND
1,906
1,786
1,793
1,614
1,742
1,564
1,412
1,471
1,532
1,410
1,418
(4.15%)
(3.82%)
—
2.90
Div yield (avg)%
22.98
22.06
21.09
21.53
19.81
19.91
19.79
18.80
18.36
17.81
29.08
18.80
19.86
13
26.17
Payout ratio%
30.77
31.40
32.59
35.18
36.72
37.40
39.67
41.97
44.03
46.66
13.55
41.97
37.06
22
5.942
Shares (diluted)B
4.399
3.771
3.188
3.004
2.871
2.454
2.137
1.834
1.858
2.003
5.639
(6.94%)
(8.99%)
32
24.42
Buyback yield%
23.45
25.09
25.28
26.17
27.12
28.84
28.92
28.99
30.86
29.82
3.08
28.99
27.98
30
12.05
Eq/Assets%
175.28
169.88
186.41
181.67
205.09
204.75
212.29
217.50
240.44
223.25
73.26
217.50
204.92
77
15,137
AssetsVND B
97,966
104,982
114,859
120,739
127,140
143,192
154,801
174,183
186,070
207,021
20,689
10.24%
8.36%
12
1,011
LT debtVND B
2,457
2,324
2,622
2,415
2,370
2,282
2,583
2,401
2,238
2,152
9,329
(1.91%)
(0.80%)
65
Total assets
VND 207.0T
8.36%
0.99×
Revenue
VND 19.26T
8.45%
1.00×
Non-interest expense
VND 11.62T
8.16%
0.97×
Net interest income
61.70%
Non-interest income
38.30%