3,980
RevenueVND B
7,512
8,060
8,346
8,799
9,408
9,823
10,463
11,289
12,143
13,037
4,068
6.74%
6.45%
44
28.76
Revenue growth%
3.59
6.58
8.93
9.93
7.62
5.21
5.97
4.07
4.17
2.08
22.82
4.17
5.59
60
25.17
NIM%
11.85
12.37
10.83
9.78
9.06
11.61
10.18
7.40
9.68
7.79
26.93
9.68
9.98
22
18.90
Effic. R.%
6.87
9.86
8.67
7.89
7.36
5.41
6.07
6.81
5.22
3.11
13.23
5.41
6.84
46
5.67
Net margin%
26.16
28.06
27.24
30.03
27.90
27.23
26.41
28.32
31.05
30.10
11.27
28.32
27.98
71
24.74
P/E ratio (avg)x
30.98
31.43
35.93
40.98
43.02
42.79
41.12
43.32
41.92
42.67
25.98
42.67
41.52
92
17.97
P/TBVx
39.66
41.81
46.55
49.42
57.32
58.03
67.81
65.00
66.17
75.11
7.795
66.17
57.67
26
25.07
P/Bx
13.33
13.28
13.29
12.89
14.13
15.42
15.21
16.36
14.54
15.88
17.77
15.42
14.34
62
1,329
NIIVND B
4,993
5,478
5,695
5,847
6,391
6,614
7,014
7,590
8,084
8,710
763.1
6.39%
6.44%
—
12.32
NII grth%
3.43
3.06
0.40
0.40
1.13
0.40
0.40
0.57
0.78
0.40
20.77
0.40
0.48
66
8.48
ROTE%
15.51
15.56
15.28
16.95
18.99
19.05
17.96
17.20
15.83
15.70
4.71
17.20
16.39
47
8.01
Return on equity%
17.12
17.58
15.27
15.51
13.92
15.59
15.42
16.79
18.10
15.45
4.09
15.59
15.55
76
11.39
Return on assets%
6.23
4.38
5.69
3.68
1.53
0.40
0.40
2.04
0.82
0.40
16.53
0.40
1.79
88
2,826
EPSVND
1,820
2,012
2,183
2,209
2,160
1,998
2,052
2,054
1,870
1,711
3,006
(4.55%)
(0.53%)
—
27.29
EPS growth%
11.00
10.26
7.90
5.66
6.16
7.89
8.91
8.28
11.21
9.98
16.55
8.91
8.59
18
1,929
Bookvalue per shVND
672.25
697.38
636.24
673.80
646.72
701.10
670.01
598.86
606.30
562.51
2,196
(2.75%)
(2.45%)
—
2,752
TBV/shVND
1,848
1,877
1,842
2,008
2,210
2,152
1,988
2,239
2,539
2,460
2,223
2.16%
2.87%
—
805.91
Dividend per shVND
660.13
671.52
670.09
682.68
702.99
768.42
718.48
674.40
698.03
628.65
1,026
(2.21%)
(0.26%)
—
26.14
Div yield (avg)%
17.83
15.32
16.32
18.57
17.69
15.74
16.12
17.69
19.27
17.30
9.19
17.30
17.49
40
8.35
Payout ratio%
13.13
13.00
11.54
10.09
10.80
12.19
10.28
10.50
10.13
8.01
5.74
10.28
10.65
52
3.741
Shares (diluted)B
4.592
4.581
4.319
3.812
3.644
4.063
4.251
4.050
3.632
3.709
3.852
0.35%
(1.91%)
63
20.19
Buyback yield%
2.28
0.40
2.32
3.06
1.42
4.26
2.20
1.75
3.23
4.74
19.49
3.23
2.30
77
63.46
Eq/Assets%
48.48
41.12
43.08
43.21
36.40
37.47
31.63
28.89
24.75
21.98
142.23
28.89
36.93
18
2,795
AssetsVND B
33,646
35,198
37,420
39,395
41,803
47,632
52,887
58,294
60,746
66,463
4,824
9.72%
7.89%
53
2,887
LT debtVND B
12,255
12,364
11,314
10,274
9,753
8,907
9,704
10,018
10,577
10,967
9,687
2.37%
(1.33%)
84
Total assets
VND 66.46T
7.89%
1.14×
Revenue
VND 13.04T
6.45%
1.00×
Non-interest expense
VND 7.594T
6.65%
1.02×
Net interest income
66.81%
Non-interest income
33.19%