18,168
RevenueVND B
33,206
35,132
36,321
37,022
38,132
40,425
41,738
42,165
44,493
45,960
18,952
3.81%
3.60%
16
28.32
Revenue growth%
20.93
22.77
20.30
20.18
22.25
19.61
17.91
16.19
19.01
16.18
27.67
17.91
19.90
72
6.61
NIM%
8.57
9.50
10.24
10.36
12.77
14.52
13.93
13.54
14.20
13.98
5.81
13.98
13.16
12
28.53
Effic. R.%
13.28
13.13
15.14
15.83
14.79
17.35
20.18
19.07
19.75
19.00
17.21
19.07
16.59
23
6.83
Net margin%
14.52
12.70
10.92
9.56
11.18
12.94
9.96
8.50
6.15
3.69
22.42
8.50
10.44
12
32.86
P/E ratio (avg)x
30.75
28.20
29.23
28.32
28.50
31.00
34.56
31.32
34.71
38.50
15.14
34.56
30.87
85
8.339
P/TBVx
25.64
25.52
24.87
23.36
20.42
21.81
20.80
20.03
17.98
18.27
30.88
20.03
21.30
78
14.25
P/Bx
6.273
6.389
5.568
5.625
5.352
5.333
5.372
5.716
5.666
5.403
21.45
5.403
5.597
44
26,594
NIIVND B
25,288
26,821
27,910
28,731
29,299
30,729
31,743
32,032
34,052
35,669
14,164
4.01%
3.76%
—
10.36
NII grth%
12.42
10.83
9.03
7.35
7.94
7.78
5.06
5.86
3.05
4.76
25.54
5.06
7.56
78
3.18
ROTE%
13.93
11.50
12.39
11.67
14.15
16.37
17.52
15.96
17.62
15.43
14.78
16.37
14.79
81
17.43
Return on equity%
9.14
6.81
9.27
6.73
4.27
2.22
0.40
0.40
1.93
0.40
18.21
0.40
3.24
24
3.77
Return on assets%
14.09
12.21
12.68
13.91
14.08
11.66
13.14
15.90
13.42
14.09
27.06
13.42
13.67
91
3,488
EPSVND
2,462
2,392
2,152
2,151
1,965
1,877
1,916
1,960
1,876
2,045
3,629
0.81%
(1.18%)
—
13.66
EPS growth%
10.95
11.07
8.39
9.51
6.60
4.15
1.55
0.40
1.98
1.02
3.93
1.55
5.37
35
4,918
Bookvalue per shVND
4,720
4,582
4,825
4,384
4,703
4,831
4,781
4,727
4,088
3,781
1,008
(4.27%)
(1.62%)
—
1,158
TBV/shVND
2,798
2,541
2,698
2,769
2,558
2,409
2,376
2,450
2,622
2,349
3,431
(1.69%)
(2.54%)
—
4,848
Dividend per shVND
2,686
2,482
2,861
2,754
2,819
2,735
2,584
2,965
3,105
3,338
2,454
3.44%
1.70%
—
24.26
Div yield (avg)%
6.01
3.65
6.08
6.90
4.68
3.87
2.22
3.89
3.80
6.08
15.55
3.87
4.29
92
4.38
Payout ratio%
12.88
11.07
13.04
14.87
15.86
14.73
17.21
15.50
13.89
11.50
26.40
14.73
14.31
23
7.983
Shares (diluted)B
10.95
11.00
11.44
13.04
14.51
15.26
14.94
15.16
16.33
18.16
7.812
4.59%
6.12%
48
11.10
Buyback yield%
19.65
20.39
18.73
15.91
13.18
12.70
14.22
15.07
17.38
14.69
11.03
14.69
15.49
48
42.51
Eq/Assets%
120.10
132.57
141.16
136.67
126.82
126.98
128.34
129.54
126.38
123.34
144.93
126.98
127.66
71
28,211
AssetsVND B
90,392
94,308
103,232
112,435
117,529
133,491
147,227
153,774
165,438
170,167
19,785
7.68%
7.83%
64
11,580
LT debtVND B
57,352
58,804
59,324
60,057
60,281
58,826
62,091
64,738
67,590
76,440
37,890
4.86%
4.29%
64
Total assets
VND 170.2T
7.83%
1.49×
Revenue
VND 45.96T
3.60%
1.00×
Non-interest expense
VND 24.47T
3.76%
1.01×
Net interest income
77.61%
Non-interest income
22.39%
Spread over hurdle
11.25%