22,234
RevenueVND B
12,111
13,122
14,359
15,337
16,877
18,214
20,191
21,528
23,471
25,537
23,449
8.64%
8.68%
60
28.82
Revenue growth%
8.33
7.76
9.58
9.34
8.64
5.99
7.49
4.79
5.66
4.04
19.56
5.66
7.63
55
7.88
NIM%
14.15
16.22
15.77
18.28
16.56
15.56
18.29
17.48
16.41
15.80
11.45
16.41
16.31
70
9.78
Effic. R.%
10.35
8.08
8.50
5.73
2.80
1.78
0.40
0.40
2.34
0.40
14.53
0.40
2.57
6
21.02
Net margin%
5.57
7.02
5.73
4.22
2.77
5.28
2.73
0.40
0.40
0.40
18.65
0.40
3.49
13
10.64
P/E ratio (avg)x
41.15
43.49
43.62
47.42
42.03
43.22
46.95
43.56
40.70
40.81
31.31
43.22
43.36
45
21.39
P/TBVx
25.40
29.33
33.57
36.77
36.37
39.92
47.43
56.74
68.51
66.53
23.59
56.74
38.35
91
24.54
P/Bx
15.55
15.57
18.47
21.93
25.38
28.24
30.25
34.81
36.77
39.61
18.24
34.81
26.81
59
20,079
NIIVND B
8,373
9,085
9,862
10,558
11,639
12,591
14,062
14,962
16,285
17,458
9,577
8.45%
8.61%
—
19.24
NII grth%
24.26
26.02
23.35
22.95
25.58
27.34
25.43
27.89
29.82
27.20
11.03
27.34
25.80
37
22.07
ROTE%
15.91
14.54
12.69
10.65
7.95
9.27
8.81
7.32
9.15
9.03
3.41
9.03
9.21
12
10.04
Return on equity%
7.71
9.32
11.80
12.44
9.60
9.01
6.38
8.86
7.04
4.62
15.13
7.04
8.94
35
4.77
Return on assets%
14.97
12.85
10.04
7.36
6.78
6.52
6.52
4.70
1.73
3.04
12.84
4.70
6.65
53
2,119
EPSVND
3,448
3,865
3,707
3,773
3,695
3,831
3,955
4,142
4,710
4,567
2,264
4.33%
3.81%
—
2.82
EPS growth%
3.09
2.14
4.31
4.63
5.82
6.81
4.00
5.86
2.97
4.03
17.14
4.03
4.17
22
2,030
Bookvalue per shVND
3,336
3,715
4,267
4,900
5,102
5,669
5,865
6,985
8,118
8,922
601.72
11.83%
9.99%
—
664.27
TBV/shVND
807.03
840.48
788.56
696.54
655.86
706.91
635.57
697.97
736.92
736.96
1,499
2.36%
0.06%
—
741.24
Dividend per shVND
2,065
2,118
2,249
2,304
2,400
2,675
2,904
3,105
3,368
3,419
564.69
7.33%
6.70%
—
28.42
Div yield (avg)%
17.79
16.06
14.17
17.13
16.85
16.87
17.23
17.40
15.14
12.80
11.12
16.87
16.86
90
21.59
Payout ratio%
2.24
2.90
1.50
0.40
0.40
3.09
0.96
1.28
3.63
4.79
10.86
3.09
1.87
19
6.329
Shares (diluted)B
6.004
5.956
6.685
6.458
7.192
7.885
7.953
7.259
7.222
6.755
6.627
(1.25%)
1.20%
19
11.40
Buyback yield%
15.42
14.00
14.30
13.17
14.57
13.39
16.37
14.24
14.40
16.31
18.57
14.40
14.35
8
72.36
Eq/Assets%
242.67
235.01
232.67
226.43
259.82
258.19
255.46
248.28
292.72
300.91
110.97
258.19
251.87
83
12,712
AssetsVND B
37,861
41,517
46,628
47,697
51,729
56,846
59,479
62,892
69,492
78,025
17,699
8.57%
8.37%
40
1,500
LT debtVND B
2,734
3,101
3,227
3,372
3,412
3,457
3,737
4,289
4,445
4,313
3,453
4.80%
5.89%
83
Total assets
VND 78.02T
8.37%
0.97×
Revenue
VND 25.54T
8.68%
1.00×
Non-interest expense
VND 15.66T
8.65%
1.00×
Net interest income
68.36%
Non-interest income
31.64%