2,331
RevenueVND B
2,227
2,319
2,360
2,459
2,532
2,606
2,759
2,873
3,053
3,104
2,602
4.16%
3.82%
67
20.04
Revenue growth%
0.40
2.94
3.89
1.06
3.26
5.92
6.94
5.55
3.63
4.43
23.12
5.55
3.76
9
6.33
NIM%
10.94
10.43
9.05
11.10
9.03
11.73
11.21
8.91
7.12
5.29
22.85
8.91
9.74
47
18.05
Effic. R.%
15.67
15.46
13.81
14.18
14.66
14.03
11.19
10.59
13.26
14.34
15.28
13.26
14.10
18
15.72
Net margin%
24.51
22.44
20.72
20.73
19.72
19.50
17.02
15.84
14.79
14.31
20.94
15.84
19.61
39
16.12
P/E ratio (avg)x
47.17
54.70
62.90
73.54
73.18
85.87
99.09
109.2
109.9
104.1
21.33
104.1
79.70
21
12.45
P/TBVx
7.172
6.652
6.911
6.795
6.062
6.765
6.570
6.275
6.524
6.609
27.14
6.570
6.630
68
20.87
P/Bx
44.69
44.04
45.26
53.53
62.47
70.34
77.17
90.21
90.33
94.25
18.54
90.21
66.41
66
1,761
NIIVND B
1,328
1,381
1,422
1,503
1,513
1,579
1,650
1,745
1,840
1,878
3,197
4.41%
3.98%
—
6.08
NII grth%
30.73
29.83
32.13
33.02
35.84
36.20
38.74
38.74
38.64
39.10
2.96
38.74
36.02
82
17.02
ROTE%
8.64
6.95
8.93
7.60
9.99
10.48
8.62
9.72
11.92
11.64
8.66
10.48
9.32
53
10.47
Return on equity%
29.46
31.68
32.82
35.02
36.47
35.45
36.60
37.15
39.26
38.32
20.52
37.15
35.96
32
4.27
Return on assets%
16.08
15.02
15.14
13.02
11.59
12.88
10.07
8.73
9.92
8.85
3.70
9.92
12.24
59
293.69
EPSVND
822.88
775.29
822.27
792.31
722.08
701.40
675.29
710.91
639.00
670.86
313.05
(1.46%)
(1.83%)
—
5.33
EPS growth%
7.50
7.03
6.30
6.76
9.24
11.99
10.78
9.80
10.80
8.27
25.24
10.78
8.76
16
610.76
Bookvalue per shVND
702.60
707.53
613.20
600.63
604.50
621.14
563.97
529.40
570.80
559.94
554.75
(1.52%)
(3.15%)
—
740.81
TBV/shVND
204.69
199.36
181.01
164.51
185.32
171.84
188.95
193.03
194.00
202.84
258.24
1.82%
(0.76%)
—
896.97
Dividend per shVND
578.58
557.20
492.08
503.09
502.19
472.64
441.88
395.98
380.84
383.51
489.27
(5.25%)
(4.55%)
—
5.32
Div yield (avg)%
7.87
6.36
3.64
2.79
0.40
0.40
0.86
1.77
0.57
0.40
3.03
0.57
1.31
94
22.45
Payout ratio%
21.83
21.58
23.87
23.35
21.33
22.71
24.61
21.79
22.64
24.37
20.14
22.71
22.67
26
743.7
Shares (diluted)M
538.2
564.5
564.6
615.8
620.0
602.0
606.0
525.0
530.1
542.7
735.8
(2.63%)
(1.11%)
50
24.69
Buyback yield%
19.37
21.59
24.56
26.29
23.51
23.40
22.21
24.76
24.36
26.95
27.32
24.36
23.94
72
105.23
Eq/Assets%
190.21
220.56
245.72
246.91
258.31
291.36
347.43
391.85
439.29
463.81
91.51
391.85
274.84
71
419.2
AssetsVND B
10,939
11,907
12,541
13,923
14,683
16,153
18,284
20,026
22,249
23,999
2,350
10.33%
9.57%
12
1,467
LT debtVND B
2,279
2,137
2,032
2,044
2,135
2,157
2,232
2,078
2,154
2,261
2,605
1.16%
1.02%
18
Total assets
VND 24.00T
9.57%
1.71×
Revenue
VND 3.104T
3.82%
1.00×
Non-interest expense
VND 1.546T
3.89%
1.01×
Net interest income
60.49%
Non-interest income
39.51%