20,340
RevenueVND B
10,404
11,073
11,793
12,721
13,557
14,727
15,516
16,285
16,987
18,012
22,194
5.85%
6.38%
17
14.17
Revenue growth%
8.17
11.10
11.52
10.27
13.11
15.78
16.39
15.09
14.48
12.10
11.75
15.09
12.61
24
26.66
NIM%
29.70
31.96
33.64
33.27
30.73
31.59
31.56
33.04
32.48
32.71
18.50
32.48
32.22
14
13.36
Effic. R.%
7.56
6.12
8.17
5.90
6.73
3.85
6.32
7.75
5.71
4.54
7.13
5.71
6.22
86
4.87
Net margin%
29.61
26.98
28.14
28.61
29.75
32.51
29.90
32.82
31.54
29.00
8.95
31.54
29.68
50
20.51
P/E ratio (avg)x
11.85
12.75
13.33
14.58
14.83
15.65
14.00
15.20
14.30
13.97
19.08
14.30
14.15
31
11.11
P/TBVx
21.73
24.11
25.19
24.15
21.68
22.10
22.79
23.50
22.56
23.98
9.196
22.79
23.14
14
10.31
P/Bx
43.79
46.63
45.09
44.11
47.39
49.95
52.48
56.49
60.36
57.64
18.60
56.49
48.67
49
8,512
NIIVND B
8,162
8,858
9,255
10,043
10,728
11,625
12,197
12,801
13,609
14,321
12,692
5.95%
6.41%
—
4.83
NII grth%
22.26
24.19
22.25
23.45
25.01
23.27
24.62
23.44
22.16
21.43
5.18
23.27
23.35
37
22.85
ROTE%
14.29
13.54
12.21
13.83
16.19
18.03
19.92
19.87
17.39
18.81
5.78
18.81
16.79
92
5.57
Return on equity%
8.24
9.05
6.22
6.66
7.62
9.81
9.30
10.67
7.95
9.62
3.06
9.62
8.64
38
27.74
Return on assets%
18.90
19.54
16.78
17.91
18.16
17.87
19.86
21.68
23.16
23.32
14.84
21.68
19.22
41
1,787
EPSVND
1,956
2,034
2,217
2,336
2,562
2,399
2,232
2,060
2,108
2,254
1,839
(2.53%)
1.34%
—
29.78
EPS growth%
0.40
3.26
5.39
2.98
2.92
1.38
2.04
4.21
2.50
5.17
8.53
2.50
2.95
9
1,440
Bookvalue per shVND
1,117
1,208
1,323
1,472
1,595
1,557
1,716
2,029
2,048
2,043
1,003
5.07%
7.03%
—
818.05
TBV/shVND
742.09
725.07
748.67
813.39
788.79
943.07
1,032
1,031
1,028
1,044
624.12
5.77%
4.12%
—
2,245
Dividend per shVND
469.55
435.73
438.82
384.57
415.47
383.44
395.01
388.50
375.93
406.61
1,063
(0.43%)
(2.88%)
—
8.34
Div yield (avg)%
14.74
17.11
16.96
15.56
15.91
18.29
19.26
17.62
19.53
21.55
15.18
19.26
17.36
45
13.85
Payout ratio%
14.20
14.07
15.13
17.35
17.73
19.61
21.37
22.35
25.12
24.71
7.51
22.35
18.67
36
4.547
Shares (diluted)B
4.958
5.445
6.063
5.535
5.514
5.551
6.165
6.789
6.412
6.018
4.567
1.77%
0.89%
6
10.56
Buyback yield%
16.69
14.69
15.65
13.22
12.76
13.24
13.79
12.04
10.17
10.93
10.47
12.04
13.23
36
12.58
Eq/Assets%
113.85
130.27
141.61
133.58
126.07
139.00
133.05
154.53
162.74
176.76
152.93
154.53
136.29
14
11,412
AssetsVND B
6,462
6,836
7,424
7,787
8,447
9,267
10,067
10,833
11,779
12,485
12,195
8.13%
7.49%
10
16,836
LT debtVND B
1,196
1,311
1,251
1,278
1,225
1,434
1,628
1,671
1,699
1,845
13,974
8.54%
4.65%
74
Total assets
VND 12.49T
7.49%
1.11×
Revenue
VND 18.01T
6.38%
1.00×
Non-interest expense
VND 10.30T
6.31%
0.99×
Net interest income
79.51%
Non-interest income
20.49%
Return on capital
118.53%
Spread over hurdle
105.80%