59,279
RevenueVND B
63,494
65,128
65,624
68,770
70,743
73,096
76,242
77,000
78,634
80,319
62,019
2.57%
2.43%
61
17.25
Revenue growth%
18.06
16.34
18.06
17.44
16.41
13.46
16.17
14.85
14.01
13.62
15.66
14.01
16.26
31
23.92
NIM%
1.12
2.38
3.63
3.62
2.71
2.68
0.77
1.87
4.42
1.59
11.13
1.87
2.53
85
9.66
Effic. R.%
7.61
10.51
8.53
10.97
8.42
9.60
9.82
8.48
5.70
7.04
28.29
8.48
8.50
89
23.64
Net margin%
18.22
15.29
13.99
11.77
14.51
15.29
13.11
16.10
14.70
14.61
2.70
14.70
14.65
95
18.15
P/E ratio (avg)x
17.92
18.69
17.81
17.95
16.65
17.89
18.04
17.43
16.01
16.73
11.72
17.43
17.85
93
32.15
P/TBVx
15.73
13.59
12.75
13.14
14.23
14.62
15.45
14.66
14.44
13.71
17.18
14.62
14.33
38
11.05
P/Bx
39.30
44.60
40.49
37.69
41.67
43.06
41.67
40.41
41.55
37.45
7.635
41.55
41.02
21
7,917
NIIVND B
46,887
48,297
48,939
50,557
52,013
53,767
57,369
57,242
58,505
60,197
33,765
2.97%
2.39%
—
27.58
NII grth%
16.38
15.59
16.89
16.28
18.40
18.46
17.47
15.01
12.03
14.21
11.20
15.01
16.33
68
18.34
ROTE%
7.41
10.04
11.24
12.70
15.65
16.96
15.80
14.47
15.66
14.57
6.89
15.66
14.52
38
7.13
Return on equity%
25.68
23.07
24.90
22.42
24.54
22.12
20.04
21.28
24.00
22.16
2.13
22.12
22.74
66
11.46
Return on assets%
19.69
20.03
18.18
16.83
16.83
18.33
20.88
23.15
24.68
27.41
4.66
23.15
19.86
32
983.61
EPSVND
1,440
1,286
1,341
1,315
1,170
1,125
1,125
1,163
1,261
1,155
1,073
(0.24%)
(2.05%)
—
10.25
EPS growth%
22.24
24.31
23.47
20.71
18.21
18.61
17.25
14.50
12.70
12.47
29.90
14.50
18.41
54
3,521
Bookvalue per shVND
1,448
1,513
1,614
1,606
1,728
1,876
1,879
1,947
1,847
1,876
2,148
1.66%
2.70%
—
809.26
TBV/shVND
3,489
3,996
4,676
4,678
4,635
4,461
5,288
6,305
7,077
7,781
3,323
10.92%
10.31%
—
3,039
Dividend per shVND
3,260
3,002
3,074
2,744
2,745
2,633
2,564
2,767
3,067
3,096
2,320
2.43%
(0.97%)
—
9.23
Div yield (avg)%
6.39
5.63
7.53
9.62
12.16
12.96
11.69
10.87
11.19
13.52
2.47
11.69
11.03
22
28.10
Payout ratio%
18.85
20.71
23.38
23.69
21.43
24.08
21.38
22.94
25.70
22.93
12.20
22.94
22.94
91
10.13
Shares (diluted)B
9.119
7.945
8.616
9.078
9.913
8.604
7.560
8.125
7.112
6.928
9.791
(6.92%)
(2.29%)
44
2.79
Buyback yield%
28.85
27.76
26.21
24.13
26.56
29.17
28.07
25.88
28.32
26.43
29.07
28.07
27.16
46
35.53
Eq/Assets%
80.00
86.13
94.16
90.69
85.73
93.97
93.53
104.16
113.07
106.37
116.28
104.16
93.75
18
12,864
AssetsVND B
272,512
302,269
317,775
344,404
354,697
384,762
424,792
466,032
508,218
553,533
79,745
9.31%
8.00%
10
18,728
LT debtVND B
79,876
88,724
100,040
110,381
111,886
127,834
146,438
173,680
203,910
218,451
28,603
14.32%
12.37%
16
Total assets
VND 553.5T
8.00%
1.70×
Revenue
VND 80.32T
2.43%
1.00×
Non-interest expense
VND 36.72T
2.25%
0.98×
Net interest income
74.95%
Non-interest income
25.05%