28,578
RevenueVND B
17,454
18,499
20,348
22,077
23,453
24,773
26,717
28,504
30,466
32,734
30,816
6.90%
7.28%
46
6.28
Revenue growth%
10.81
10.00
7.92
9.95
12.33
14.38
12.43
11.15
13.91
13.53
6.61
13.53
11.74
7
26.53
NIM%
22.07
19.14
21.06
20.97
22.19
24.44
23.37
24.61
26.08
23.97
2.80
24.44
22.78
61
25.06
Effic. R.%
24.57
24.07
24.83
24.42
24.67
22.86
23.67
23.45
24.64
23.58
19.21
23.58
24.24
22
15.94
Net margin%
21.89
19.92
19.60
20.38
18.96
21.27
19.17
18.25
16.63
19.37
27.36
19.17
19.48
42
16.42
P/E ratio (avg)x
33.71
36.47
38.56
40.71
47.80
55.48
51.91
51.95
51.99
54.53
35.96
51.99
49.85
47
13.55
P/TBVx
12.32
13.23
14.71
15.43
17.00
19.40
19.97
22.60
22.76
26.29
18.09
22.60
18.20
95
25.08
P/Bx
29.81
30.32
32.10
32.58
32.69
32.72
39.09
39.14
40.85
48.23
31.41
39.14
32.70
27
8,327
NIIVND B
13,613
14,340
15,947
17,209
18,313
19,389
20,831
22,306
23,818
25,526
15,128
6.87%
7.29%
—
22.78
NII grth%
17.53
19.30
18.70
17.74
19.97
18.86
21.42
23.80
21.91
21.12
11.72
21.42
19.63
25
7.13
ROTE%
19.89
20.72
19.52
19.75
18.35
17.34
15.22
14.43
17.01
17.82
26.93
17.01
18.08
65
22.52
Return on equity%
15.89
15.86
14.50
12.92
13.11
15.64
18.44
18.18
20.48
21.53
28.97
18.44
15.88
18
27.49
Return on assets%
5.05
4.08
4.96
4.87
2.42
3.19
1.01
0.40
1.91
4.72
2.84
1.91
3.64
71
4,734
EPSVND
1,413
1,397
1,603
1,755
1,747
1,793
1,875
1,751
2,032
1,966
5,209
2.39%
2.58%
—
8.79
EPS growth%
17.28
18.92
16.75
15.53
15.35
14.49
12.25
11.06
11.25
12.06
28.32
12.06
14.92
11
5,943
Bookvalue per shVND
2,000
2,237
2,273
2,058
2,134
2,221
2,389
2,309
2,281
2,124
5,659
(0.09%)
0.97%
—
2,522
TBV/shVND
4,629
4,922
4,704
5,159
4,752
5,085
5,337
4,758
4,945
5,147
4,452
1.61%
0.80%
—
5,552
Dividend per shVND
4,382
4,830
4,968
5,301
5,941
6,897
7,480
8,032
8,288
9,564
5,196
9.99%
9.28%
—
27.19
Div yield (avg)%
20.89
22.86
20.04
19.29
16.90
15.53
15.30
17.40
20.23
21.12
28.06
17.40
19.66
53
22.98
Payout ratio%
23.93
22.95
25.43
26.22
24.60
25.88
25.15
24.29
22.36
21.21
17.96
24.29
24.45
75
7.831
Shares (diluted)B
7.907
6.887
6.733
6.094
6.095
6.571
6.335
5.804
5.159
4.904
7.602
(4.25%)
(4.12%)
40
15.72
Buyback yield%
0.40
0.40
2.47
5.08
6.37
4.66
2.22
3.84
5.73
5.69
27.02
4.66
4.25
82
64.59
Eq/Assets%
14.71
15.38
15.15
16.92
16.22
15.06
16.67
18.94
19.75
18.15
54.73
18.15
16.45
72
24,790
AssetsVND B
64,759
70,201
75,813
80,015
84,828
90,348
102,265
106,567
115,882
123,947
18,810
7.88%
7.55%
9
19,684
LT debtVND B
27,485
28,471
29,394
28,599
32,345
34,981
40,554
40,528
45,903
51,333
23,795
9.68%
8.14%
10
Total assets
VND 123.9T
7.55%
1.02×
Revenue
VND 32.73T
7.28%
1.00×
Non-interest expense
VND 14.96T
7.11%
0.98×
Net interest income
77.98%
Non-interest income
22.02%
Spread over hurdle
16.05%