1,909
RevenueVND B
2,857
3,064
3,300
3,421
3,696
3,976
4,119
4,402
4,698
5,042
2,009
6.41%
6.44%
20
24.34
Revenue growth%
1.56
3.22
4.14
1.46
2.45
1.59
3.14
5.74
2.90
0.40
22.82
2.90
2.67
49
15.51
NIM%
11.76
13.03
10.05
12.32
11.19
11.89
12.26
12.91
15.13
17.04
5.88
12.91
12.29
66
2.02
Effic. R.%
7.97
5.13
6.22
7.41
7.46
9.09
9.23
7.57
7.42
6.87
4.90
7.57
7.44
54
14.26
Net margin%
10.05
10.27
9.86
10.83
9.74
10.85
8.23
6.51
8.17
5.68
16.20
8.17
9.80
66
36.24
P/E ratio (avg)x
51.16
54.36
55.58
60.69
63.24
67.98
64.11
71.89
77.52
77.75
37.25
71.89
63.68
71
10.29
P/TBVx
25.31
27.51
24.80
23.80
24.35
23.47
22.89
25.86
25.01
24.62
16.94
24.62
24.71
77
32.54
P/Bx
21.72
22.65
20.28
17.72
19.31
19.95
18.32
18.29
18.84
17.72
37.10
18.32
19.07
51
1,622
NIIVND B
1,758
1,881
2,034
2,123
2,286
2,445
2,580
2,707
2,953
3,170
1,928
6.75%
6.68%
—
7.42
NII grth%
8.67
8.59
6.81
6.67
5.64
6.01
5.51
4.00
3.66
2.69
17.16
4.00
5.82
79
5.60
ROTE%
4.73
4.02
2.71
0.40
1.71
0.40
0.40
2.72
4.31
6.01
12.73
2.72
2.71
70
27.40
Return on equity%
19.27
16.40
17.40
14.95
15.00
13.14
10.25
8.14
10.04
12.78
6.98
10.25
14.05
54
12.60
Return on assets%
1.69
1.49
0.40
0.40
0.40
1.46
0.77
0.40
0.40
0.67
26.36
0.67
0.53
9
358.10
EPSVND
1,123
1,266
1,525
1,661
1,895
2,014
1,999
2,395
2,542
2,913
374.14
8.98%
10.98%
—
28.97
EPS growth%
19.53
19.83
17.61
14.94
16.92
19.67
19.53
21.66
23.59
21.47
18.56
21.47
19.60
10
627.45
Bookvalue per shVND
1,009
1,140
1,150
1,143
1,257
1,407
1,324
1,466
1,483
1,565
1,228
4.48%
5.08%
—
525.69
TBV/shVND
1,810
1,861
1,889
2,244
2,582
2,615
2,568
2,927
3,523
3,651
1,147
7.17%
8.78%
—
626.31
Dividend per shVND
687.68
788.87
852.47
926.74
960.06
1,015
1,190
1,369
1,557
1,699
1,257
12.10%
9.65%
—
20.74
Div yield (avg)%
20.17
19.93
19.49
22.21
21.72
20.67
18.18
19.21
19.61
17.09
22.70
19.21
19.77
62
12.59
Payout ratio%
11.29
9.58
11.69
13.98
16.45
15.53
17.36
16.86
17.22
20.20
20.59
17.22
15.99
8
2.024
Shares (diluted)B
2.008
2.033
1.888
2.023
1.752
1.593
1.418
1.354
1.406
1.281
2.057
(6.07%)
(3.59%)
44
6.86
Buyback yield%
29.71
26.96
26.40
26.23
27.16
28.46
29.83
31.39
31.73
31.26
5.52
31.26
29.09
88
123.30
Eq/Assets%
119.41
106.19
118.81
106.85
115.79
119.59
119.20
124.44
118.90
128.95
64.69
119.59
119.05
57
4,126
AssetsVND B
8,618
9,515
10,145
11,715
12,792
13,658
14,719
16,003
17,455
18,693
3,144
7.88%
8.64%
6
1,259
LT debtVND B
1,927
2,051
2,298
2,634
2,710
2,678
3,034
3,261
3,822
4,152
2,489
8.91%
8.84%
74
Total assets
VND 18.69T
8.64%
1.23×
Revenue
VND 5.042T
6.44%
1.00×
Non-interest expense
VND 2.343T
6.76%
1.03×
Net interest income
62.88%
Non-interest income
37.12%