8,899
RevenueVND B
27,059
28,465
29,961
30,445
31,340
32,628
33,882
35,369
36,952
38,164
9,732
4.02%
3.95%
75
24.79
Revenue growth%
0.40
0.40
0.40
0.40
2.64
4.28
3.23
3.85
3.54
1.38
13.31
3.54
2.01
67
28.06
NIM%
19.35
20.57
19.54
20.90
23.32
24.24
26.99
24.01
25.10
22.41
12.82
24.24
22.87
13
28.77
Effic. R.%
24.94
24.11
24.97
25.26
27.54
29.44
30.74
33.57
33.44
33.93
9.51
33.44
28.49
73
20.10
Net margin%
23.63
25.86
27.15
25.65
26.79
24.30
24.52
27.15
28.04
26.20
13.31
26.20
26.03
55
30.79
P/E ratio (avg)x
11.31
11.78
13.22
14.49
16.01
17.02
18.80
20.99
21.28
21.57
16.82
20.99
16.51
74
32.88
P/TBVx
11.57
12.79
12.03
13.17
12.97
12.40
11.80
11.18
11.71
12.43
20.96
11.80
12.22
14
10.66
P/Bx
50.43
58.66
67.53
74.48
79.15
78.05
79.47
78.79
89.47
94.16
10.34
79.47
78.42
60
23,457
NIIVND B
18,225
19,546
20,408
20,975
21,235
22,537
23,157
23,905
24,929
26,114
47,859
4.22%
3.86%
—
6.08
NII grth%
4.59
5.81
3.89
6.25
6.70
8.57
10.31
11.60
9.91
9.33
12.65
9.91
7.64
50
16.28
ROTE%
12.93
13.60
13.17
13.88
14.80
14.44
14.19
15.51
13.78
15.21
17.60
14.44
14.04
48
19.44
Return on equity%
20.37
19.23
21.35
20.92
21.74
20.69
20.95
20.96
23.87
25.00
11.23
20.96
20.95
78
19.86
Return on assets%
18.68
19.58
16.65
19.21
19.45
20.87
23.22
23.40
24.10
22.81
28.04
23.22
20.22
75
4,717
EPSVND
1,923
1,653
1,573
1,566
1,443
1,425
1,218
1,119
1,152
1,086
5,214
(5.53%)
(4.74%)
—
19.38
EPS growth%
13.16
15.44
15.66
14.08
14.21
13.37
12.19
10.88
8.07
10.24
12.91
10.88
13.26
61
1,319
Bookvalue per shVND
9,292
10,375
10,763
10,444
10,859
10,685
12,174
14,006
13,302
15,222
5,190
6.99%
5.57%
—
4,629
TBV/shVND
5,878
6,233
6,946
7,719
8,696
8,696
9,925
9,458
8,769
9,434
3,309
1.64%
6.30%
—
1,131
Dividend per shVND
2,885
2,948
3,074
3,018
3,122
3,132
2,925
3,172
2,975
2,667
3,918
(3.10%)
(2.02%)
—
13.10
Div yield (avg)%
8.84
11.73
14.35
17.05
18.97
18.09
15.65
13.23
12.72
15.72
13.31
15.65
15.00
47
20.82
Payout ratio%
27.85
26.28
27.60
27.00
24.14
25.96
26.36
28.62
30.11
30.10
20.04
28.62
27.30
37
1.878
Shares (diluted)B
1.732
1.666
1.877
1.972
2.246
2.058
2.251
2.063
2.264
2.355
1.932
0.95%
2.57%
45
20.01
Buyback yield%
29.50
26.52
25.36
27.99
27.85
29.99
27.17
27.39
25.58
27.32
6.93
27.32
27.35
66
84.16
Eq/Assets%
46.22
51.82
55.70
57.88
66.84
62.51
72.43
71.56
67.02
75.66
38.47
71.56
64.68
38
24,600
AssetsVND B
46,787
51,756
53,690
61,936
65,758
70,092
76,325
81,971
88,747
93,741
31,589
7.35%
8.32%
6
5,349
LT debtVND B
27,213
29,339
29,207
27,537
25,347
26,396
28,497
31,485
35,476
34,006
22,809
6.05%
2.90%
75
Total assets
VND 93.74T
8.32%
1.51×
Revenue
VND 38.16T
3.95%
1.00×
Non-interest expense
VND 21.24T
4.00%
1.00×
Net interest income
68.43%
Non-interest income
31.57%