7,426
RevenueVND B
23,508
24,382
26,451
28,419
29,564
31,173
32,952
34,264
37,123
38,664
8,133
5.51%
5.69%
93
8.62
Revenue growth%
2.55
3.35
1.47
3.58
2.58
3.10
4.32
3.58
3.84
3.99
17.82
3.84
3.47
8
29.75
NIM%
22.59
22.31
20.20
20.77
21.08
21.86
20.19
19.12
16.72
16.75
18.74
19.12
20.49
8
11.22
Effic. R.%
9.96
12.48
11.08
13.57
13.58
11.16
14.12
16.62
18.44
17.00
4.67
16.62
13.58
85
7.95
Net margin%
19.42
18.88
19.79
20.95
18.09
16.75
19.68
19.76
20.68
17.84
21.41
19.68
19.55
72
37.43
P/E ratio (avg)x
41.85
40.14
46.85
53.86
63.04
72.24
74.98
71.03
80.09
85.63
32.45
74.98
67.04
52
13.77
P/TBVx
15.62
17.19
17.65
17.77
20.20
22.26
21.16
23.95
22.60
25.42
35.56
22.60
20.68
35
13.82
P/Bx
8.003
7.981
8.478
8.018
8.773
9.231
9.207
9.534
9.960
11.13
8.722
9.534
8.990
7
5,646
NIIVND B
14,562
14,913
16,272
17,291
18,471
19,359
20,361
20,938
22,508
23,620
11,311
5.04%
5.62%
—
6.25
NII grth%
15.77
15.19
14.46
12.73
12.47
15.22
16.41
14.62
15.73
12.93
20.22
15.22
14.90
70
25.04
ROTE%
10.71
12.44
14.04
14.74
16.08
16.78
19.70
17.83
17.43
19.98
28.36
17.83
16.43
47
9.80
Return on equity%
12.93
14.65
13.74
14.83
17.14
14.18
16.68
18.10
20.68
20.25
22.23
18.10
15.75
43
12.53
Return on assets%
28.94
31.75
34.74
34.97
36.03
34.93
33.41
31.10
32.98
34.06
6.90
33.41
33.74
48
573.38
EPSVND
951.97
956.45
936.66
949.72
1,005
1,007
1,146
1,251
1,416
1,389
634.44
6.67%
3.78%
—
28.32
EPS growth%
20.41
20.23
17.85
15.17
18.01
16.79
14.59
15.25
16.17
15.55
12.10
15.55
16.48
72
753.92
Bookvalue per shVND
1,708
1,942
2,156
2,409
2,346
2,335
2,444
2,737
3,043
3,305
1,223
7.09%
7.87%
—
1,836
TBV/shVND
1,450
1,524
1,403
1,442
1,400
1,395
1,514
1,689
1,691
1,724
980.42
4.24%
2.30%
—
1,368
Dividend per shVND
1,586
1,454
1,457
1,435
1,331
1,438
1,506
1,547
1,419
1,561
1,879
3.25%
0.11%
—
9.02
Div yield (avg)%
13.11
15.27
16.99
15.03
13.18
11.53
13.05
15.06
17.84
18.52
24.28
15.06
15.05
20
5.25
Payout ratio%
27.89
29.68
32.54
30.20
28.34
26.98
25.18
27.56
30.39
30.77
7.79
27.56
29.01
14
10.47
Shares (diluted)B
12.07
13.04
13.80
15.34
17.52
17.93
17.65
19.61
22.91
22.13
10.47
4.78%
5.90%
48
18.87
Buyback yield%
24.51
24.31
22.52
20.04
21.91
20.52
21.21
19.66
20.61
21.47
2.34
20.61
21.34
62
103.52
Eq/Assets%
229.93
227.51
263.09
247.58
244.76
232.88
221.30
229.88
253.26
236.71
42.92
232.88
234.80
65
44,945
AssetsVND B
138,390
148,205
159,626
176,944
195,196
201,420
218,847
235,084
256,222
277,214
24,365
7.27%
8.14%
77
8,467
LT debtVND B
1,541
1,474
1,411
1,455
1,401
1,280
1,178
1,048
958.5
877.8
13,279
(8.92%)
(4.96%)
85
Total assets
VND 277.2T
8.14%
1.26×
Revenue
VND 38.66T
5.69%
1.00×
Non-interest expense
VND 21.10T
5.48%
0.98×
Net interest income
61.09%
Non-interest income
38.91%