3,396
RevenueVND B
3,340
3,633
3,952
4,210
4,542
4,794
5,002
5,230
5,591
5,859
3,754
5.23%
6.68%
77
15.21
Revenue growth%
23.10
21.22
19.91
22.39
21.22
22.70
21.29
23.44
22.85
20.40
6.65
22.70
21.84
85
4.10
NIM%
21.10
18.46
15.77
14.76
13.29
14.62
13.40
11.55
12.66
14.68
21.74
13.40
14.65
21
22.49
Effic. R.%
26.14
24.69
22.05
21.99
20.63
23.53
25.18
25.54
23.71
24.70
23.21
24.70
24.20
11
27.22
Net margin%
7.65
7.06
6.85
6.67
8.49
6.47
3.67
4.21
5.29
7.86
29.48
5.29
6.76
90
28.27
P/E ratio (avg)x
8.020
7.762
7.696
7.913
8.364
8.778
9.403
9.887
9.256
9.396
20.16
9.396
8.571
70
7.496
P/TBVx
9.148
8.787
10.03
10.85
10.38
11.77
11.19
12.35
11.36
10.44
29.25
11.36
10.64
14
21.43
P/Bx
29.02
28.52
28.36
30.12
27.16
25.78
24.77
26.03
24.93
23.46
18.66
24.93
26.59
30
5,279
NIIVND B
2,074
2,282
2,437
2,673
2,798
3,044
3,104
3,274
3,501
3,699
4,761
5.74%
6.93%
—
17.05
NII grth%
18.71
19.87
19.35
17.06
16.10
17.61
17.72
19.69
21.53
22.80
2.37
19.69
19.03
93
19.61
ROTE%
6.48
7.77
6.51
3.80
6.35
7.20
4.59
4.84
6.93
5.33
12.96
5.33
6.41
41
22.73
Return on equity%
10.97
9.51
7.67
7.28
6.64
9.22
7.06
9.54
12.38
13.45
11.78
9.54
9.37
19
11.20
Return on assets%
21.76
18.81
18.44
20.21
21.89
21.62
19.98
17.23
16.29
15.62
8.38
17.23
19.40
51
1,480
EPSVND
705.94
654.12
602.33
603.41
568.25
491.03
537.18
554.40
527.99
547.70
1,584
(0.73%)
(3.17%)
—
9.59
EPS growth%
8.09
10.23
10.87
13.01
15.31
17.10
19.82
22.53
23.36
25.65
26.09
22.53
16.21
58
1,202
Bookvalue per shVND
738.78
694.54
762.62
690.65
615.14
654.55
642.44
594.38
526.90
544.81
686.90
(2.40%)
(3.41%)
—
1,463
TBV/shVND
1,268
1,412
1,589
1,548
1,656
1,635
1,571
1,489
1,445
1,322
700.92
(4.41%)
0.08%
—
691.16
Dividend per shVND
842.09
758.44
692.27
680.43
601.78
578.30
536.75
501.07
430.06
394.36
363.27
(8.11%)
(7.93%)
—
13.19
Div yield (avg)%
20.85
20.34
20.34
17.43
18.32
15.78
15.02
13.81
12.14
14.53
29.43
14.53
16.60
42
24.92
Payout ratio%
5.61
7.29
4.44
4.01
2.28
3.31
2.44
3.52
3.75
0.97
9.52
3.31
3.64
66
2.988
Shares (diluted)B
3.715
4.104
4.024
4.439
4.147
4.586
4.230
3.946
3.593
4.039
3.105
(0.52%)
1.04%
72
15.76
Buyback yield%
7.78
10.03
12.16
9.18
9.91
7.87
6.11
4.25
7.10
5.11
24.35
6.11
7.83
64
50.24
Eq/Assets%
176.70
160.42
139.15
148.59
144.48
145.27
155.02
147.58
154.82
158.87
11.09
154.82
151.70
90
565.6
AssetsVND B
15,642
16,374
18,248
20,320
22,768
23,294
25,255
27,697
29,936
33,697
2,324
8.16%
8.41%
60
1,236
LT debtVND B
1,819
1,947
2,032
2,113
2,345
2,493
2,740
2,986
2,723
2,473
254.4
1.07%
3.30%
33
Total assets
VND 33.70T
8.41%
1.17×
Revenue
VND 5.859T
6.68%
1.00×
Non-interest expense
VND 3.191T
6.71%
1.00×
Net interest income
63.14%
Non-interest income
36.86%