14,775
RevenueVND B
55,655
56,975
57,537
59,091
59,640
59,553
60,142
61,432
61,130
62,437
15,336
0.92%
1.35%
24
23.84
Revenue growth%
24.71
23.87
26.70
25.02
22.18
20.52
20.36
21.59
22.82
24.97
15.73
21.59
23.34
52
18.22
NIM%
12.13
13.59
14.44
16.48
17.60
16.90
14.52
14.48
12.21
11.59
6.94
14.48
14.46
61
18.54
Effic. R.%
13.09
10.92
8.26
9.97
7.68
8.87
7.29
8.51
6.96
9.63
25.28
8.51
8.69
91
27.41
Net margin%
28.58
27.44
25.26
23.70
22.17
22.29
21.05
22.88
23.24
25.05
20.02
22.88
23.47
87
7.437
P/E ratio (avg)x
39.67
45.05
50.08
52.89
54.19
64.17
65.85
78.44
74.98
77.51
24.62
74.98
59.18
78
9.673
P/TBVx
10.32
10.08
10.94
11.53
13.14
15.44
17.89
20.01
23.45
24.09
7.262
20.01
14.29
80
21.00
P/Bx
41.92
48.48
50.48
49.68
52.63
61.27
65.36
67.87
78.85
88.23
25.22
67.87
56.95
37
20,595
NIIVND B
33,730
35,108
34,594
35,481
36,379
36,509
36,221
36,838
37,115
38,523
13,337
1.15%
1.37%
—
14.60
NII grth%
5.06
4.30
2.70
5.49
7.41
9.49
11.98
9.20
10.24
12.16
29.52
10.24
8.31
71
28.82
ROTE%
12.05
9.67
12.08
10.05
11.65
11.09
10.36
9.51
10.42
13.35
21.99
10.42
10.76
15
7.31
Return on equity%
23.47
23.18
25.40
22.63
24.74
23.84
24.60
27.18
28.93
29.61
20.38
27.18
24.67
67
29.60
Return on assets%
8.97
6.11
7.19
5.52
8.46
8.13
8.42
8.27
6.01
7.49
29.14
8.13
7.81
60
5,080
EPSVND
900.75
1,009
915.88
994.97
923.44
912.75
821.65
899.23
960.90
981.94
5,648
1.24%
0.56%
—
20.13
EPS growth%
8.39
9.74
12.68
10.71
13.57
15.80
15.71
16.47
15.08
13.51
13.63
15.71
13.54
87
6,042
Bookvalue per shVND
5,923
6,564
6,001
5,678
5,172
5,566
5,244
5,351
5,381
4,762
5,184
(1.64%)
(1.35%)
—
2,698
TBV/shVND
4,023
3,757
3,833
3,647
3,592
3,385
3,569
3,958
4,007
4,128
4,635
2.82%
1.23%
—
1,423
Dividend per shVND
4,405
4,866
4,839
5,759
5,906
5,701
6,326
6,807
7,492
7,793
1,054
5.70%
6.61%
—
26.78
Div yield (avg)%
8.07
9.31
10.81
12.83
9.95
10.08
10.68
9.88
7.79
6.47
20.16
9.88
9.92
82
28.70
Payout ratio%
22.45
24.57
26.45
27.89
28.82
26.08
24.09
25.36
25.57
24.60
23.98
25.36
25.47
63
3.056
Shares (diluted)B
2.204
1.934
1.651
1.412
1.277
1.249
1.167
1.142
1.027
0.944
3.043
(5.87%)
(7.66%)
63
13.64
Buyback yield%
2.00
3.08
0.40
1.80
4.47
4.42
2.20
1.89
1.66
2.51
28.54
2.20
2.10
13
164.65
Eq/Assets%
274.77
269.72
300.26
318.86
376.79
364.37
388.65
407.94
453.79
526.16
36.00
407.94
370.58
54
37,284
AssetsVND B
80,238
87,413
95,593
100,339
104,866
116,695
128,324
137,770
153,868
157,813
19,241
8.52%
7.88%
13
38,884
LT debtVND B
61,188
70,204
71,213
72,292
78,206
80,782
78,703
90,361
91,483
86,367
50,013
2.01%
4.67%
15
Total assets
VND 157.8T
7.88%
1.87×
Revenue
VND 62.44T
1.35%
1.00×
Non-interest expense
VND 37.70T
1.36%
1.00×
Net interest income
61.70%
Non-interest income
38.30%
Spread over hurdle
24.58%