1,463
RevenueVND B
4,595
4,836
4,876
4,964
5,192
5,282
5,545
5,721
5,926
6,198
1,573
3.61%
3.28%
92
13.79
Revenue growth%
10.04
8.44
10.38
11.09
11.19
10.57
10.06
9.35
10.99
10.21
10.21
10.21
10.29
9
19.61
NIM%
10.83
12.50
14.61
14.83
17.03
15.24
13.94
13.28
15.25
15.34
24.97
15.24
14.72
71
11.86
Effic. R.%
25.27
22.72
25.19
26.12
25.95
26.25
23.53
24.85
23.56
24.86
9.30
24.85
25.02
41
26.07
Net margin%
18.56
21.18
21.16
23.20
20.23
21.36
21.62
20.25
20.19
19.56
19.06
20.25
20.70
54
14.17
P/E ratio (avg)x
20.65
21.21
22.52
20.91
22.82
24.41
22.15
22.39
19.28
17.94
15.98
22.15
21.68
56
24.09
P/TBVx
13.06
13.91
13.17
12.99
13.76
12.97
13.13
13.36
13.35
13.45
37.75
13.35
13.26
60
30.77
P/Bx
18.48
18.31
18.09
16.26
16.34
17.03
17.68
18.93
20.61
21.95
24.70
18.93
18.20
72
2,475
NIIVND B
3,553
3,778
3,750
3,790
3,999
4,109
4,290
4,395
4,558
4,825
3,995
3.82%
3.33%
—
17.86
NII grth%
10.72
12.92
12.24
12.68
15.59
13.29
13.01
15.18
16.57
15.42
14.18
15.18
13.15
94
4.96
ROTE%
17.75
15.29
15.62
17.06
15.84
17.89
20.14
18.21
20.27
17.89
17.88
18.21
17.82
74
9.79
Return on equity%
17.93
17.46
16.21
18.20
21.04
21.68
22.49
25.47
24.48
26.17
4.48
24.48
21.36
14
21.03
Return on assets%
28.04
25.90
27.75
29.16
30.14
27.75
29.22
28.04
30.58
29.96
24.43
29.22
28.60
56
633.01
EPSVND
1,725
1,787
2,044
1,942
2,035
2,297
2,586
3,013
3,447
3,650
685.02
12.39%
7.34%
—
28.79
EPS growth%
13.74
14.15
14.54
16.02
15.47
14.05
13.71
16.12
18.43
19.35
18.62
16.12
15.01
84
1,818
Bookvalue per shVND
1,642
1,539
1,636
1,669
1,663
1,826
1,798
2,027
1,989
2,096
1,845
4.74%
1.67%
—
1,676
TBV/shVND
282.64
244.23
231.11
223.28
208.70
182.05
171.16
179.49
196.58
185.83
856.88
(2.29%)
(5.36%)
—
1,268
Dividend per shVND
2,072
2,217
2,113
2,461
2,476
2,617
3,076
3,372
3,447
3,888
1,795
9.44%
6.21%
—
27.85
Div yield (avg)%
19.48
16.78
18.78
18.46
17.00
16.11
14.20
14.37
13.32
16.28
11.06
14.37
16.53
32
8.90
Payout ratio%
24.32
25.81
23.19
22.49
20.41
21.23
20.33
22.45
22.82
25.25
15.02
22.45
22.66
41
1.818
Shares (diluted)B
2.050
1.851
1.846
1.663
1.618
1.579
1.600
1.577
1.724
1.787
1.817
2.00%
(1.38%)
42
21.29
Buyback yield%
24.74
26.25
28.77
31.40
30.76
31.70
30.67
29.48
27.26
26.54
16.97
29.48
29.12
9
141.24
Eq/Assets%
151.79
152.42
145.56
162.09
162.80
167.03
179.72
184.05
176.41
160.27
95.46
176.41
162.44
6
2,816
AssetsVND B
5,428
5,953
6,469
7,204
8,170
8,880
9,525
10,300
11,591
12,880
3,221
9.53%
10.23%
6
5,106
LT debtVND B
3,397
3,358
3,688
3,723
3,655
3,420
3,257
3,560
4,021
3,890
689.6
1.26%
2.25%
54
Total assets
VND 12.88T
10.23%
1.92×
Revenue
VND 6.198T
3.28%
1.00×
Non-interest expense
VND 3.821T
3.51%
1.02×
Net interest income
77.85%
Non-interest income
22.15%