925.4
RevenueVND B
663.5
700.2
766.0
840.7
919.0
982.4
1,049
1,146
1,251
1,339
982.0
7.82%
7.99%
88
5.47
Revenue growth%
20.75
22.37
22.69
24.33
26.96
24.41
26.63
27.04
24.99
22.19
8.24
24.99
24.37
18
6.23
NIM%
16.03
18.16
18.24
16.55
14.10
15.16
16.39
16.12
18.91
21.47
9.57
16.39
16.47
35
27.56
Effic. R.%
18.96
16.89
14.36
15.81
14.74
15.79
14.38
15.32
17.48
19.08
24.05
15.79
15.80
71
11.33
Net margin%
13.77
11.82
9.56
8.46
6.71
7.46
5.81
6.40
5.79
5.98
2.58
5.98
7.08
94
31.80
P/E ratio (avg)x
36.52
38.00
45.18
48.75
56.33
57.92
56.63
67.11
71.26
80.62
32.01
67.11
56.48
47
37.49
P/TBVx
23.21
21.60
22.67
21.82
20.96
23.14
23.90
23.17
26.33
26.53
28.17
23.90
23.15
43
16.41
P/Bx
16.52
19.95
22.19
21.86
24.84
24.93
24.88
30.03
33.66
33.41
12.95
30.03
24.86
43
296.0
NIIVND B
502.8
531.0
578.6
630.0
692.8
750.6
786.3
873.4
949.6
1,007
137.4
7.77%
8.09%
—
13.21
NII grth%
4.23
6.71
8.46
5.84
5.61
4.93
4.21
3.70
2.29
4.93
6.97
4.21
4.93
17
22.35
ROTE%
16.49
16.24
18.44
18.43
21.27
22.19
24.93
25.06
25.09
26.32
9.95
25.06
21.73
17
10.18
Return on equity%
8.72
10.14
7.92
6.83
6.77
8.46
10.14
12.08
14.85
16.15
19.12
12.08
9.43
6
3.26
Return on assets%
2.46
0.40
0.40
1.29
1.50
1.26
1.94
0.40
0.40
0.40
28.23
0.40
0.83
6
609.68
EPSVND
2,377
2,620
3,064
3,664
3,854
4,431
4,311
4,153
4,185
4,828
622.17
4.61%
8.16%
—
27.23
EPS growth%
6.56
8.15
7.51
5.11
4.15
4.35
2.96
1.42
3.87
3.65
15.06
3.65
4.25
18
1,449
Bookvalue per shVND
1,099
1,062
1,106
1,137
957.63
822.41
700.55
678.92
671.15
684.70
519.14
(6.49%)
(5.56%)
—
1,519
TBV/shVND
467.98
443.57
416.02
396.30
417.44
438.29
429.48
447.45
441.00
422.77
829.77
0.25%
0.30%
—
1,064
Dividend per shVND
1,056
1,131
1,025
1,094
1,154
1,029
1,024
1,046
1,054
1,151
587.98
(0.05%)
1.70%
—
29.08
Div yield (avg)%
24.40
26.77
27.62
24.73
23.06
22.42
19.63
20.89
21.43
18.53
24.29
20.89
22.74
84
17.65
Payout ratio%
18.39
20.01
20.69
18.62
19.83
18.09
15.26
15.77
17.22
17.28
10.85
17.22
18.24
49
633.4
Shares (diluted)M
604.5
577.2
545.9
580.5
649.2
640.0
675.7
640.0
674.4
644.8
635.5
(0.14%)
1.45%
68
12.76
Buyback yield%
26.06
26.09
26.48
24.72
26.92
25.76
28.02
30.35
31.70
30.81
24.64
30.35
26.70
59
119.42
Eq/Assets%
186.82
167.27
184.45
174.48
162.41
165.51
176.84
168.39
174.28
164.11
100.29
168.39
171.34
22
766.7
AssetsVND B
4,017
4,493
4,963
5,605
6,019
6,529
7,093
7,755
8,801
9,057
329.5
8.51%
8.97%
78
1,005
LT debtVND B
831.3
815.6
749.6
772.3
780.7
747.7
720.7
672.4
645.4
623.9
496.2
(4.39%)
(2.57%)
88
Total assets
VND 9.057T
8.97%
1.09×
Revenue
VND 1.339T
7.99%
1.00×
Non-interest expense
VND 794.4B
8.07%
1.01×
Net interest income
75.24%
Non-interest income
24.76%
Spread over hurdle
(0.66%)