10,624
RevenueVND B
8,109
8,485
8,566
8,763
9,096
9,152
9,189
9,222
9,395
9,872
11,037
1.65%
2.02%
87
22.51
Revenue growth%
2.90
5.74
7.54
9.20
7.80
6.01
9.01
7.36
6.88
4.21
7.38
6.88
7.12
91
12.65
NIM%
9.80
7.61
7.35
9.30
8.43
7.30
8.37
9.87
12.76
12.28
6.70
9.87
8.87
24
24.09
Effic. R.%
7.81
10.26
9.19
12.10
14.75
12.91
13.58
14.02
14.51
14.17
23.78
14.02
13.25
69
17.03
Net margin%
23.55
22.88
25.60
25.96
23.61
25.10
22.50
21.72
22.77
23.53
12.86
22.77
23.54
87
24.96
P/E ratio (avg)x
7.063
6.104
5.198
4.545
4.474
4.128
3.891
3.940
4.148
4.314
16.68
4.128
4.394
26
23.11
P/TBVx
15.23
16.05
16.11
17.21
20.49
22.51
23.42
26.29
30.70
37.28
32.40
26.29
21.50
64
23.65
P/Bx
55.02
62.68
63.30
73.32
88.37
106.2
111.1
127.7
125.2
125.0
13.80
125.0
97.28
58
11,144
NIIVND B
6,139
6,503
6,530
6,623
7,024
6,956
7,037
7,080
7,232
7,488
5,527
1.29%
1.99%
—
3.85
NII grth%
28.13
29.69
31.88
30.75
30.31
31.84
33.68
34.68
33.38
34.38
19.34
33.68
31.86
82
10.92
ROTE%
13.86
12.22
11.60
13.94
16.83
17.56
16.82
18.18
20.21
18.37
8.13
18.18
16.83
56
20.50
Return on equity%
24.38
23.08
22.37
23.53
24.88
23.85
25.04
22.67
23.35
23.91
6.86
23.85
23.69
8
6.05
Return on assets%
24.46
27.40
25.81
27.12
27.23
26.94
28.45
27.39
26.24
24.85
2.66
26.94
27.03
69
1,278
EPSVND
1,777
1,751
1,882
1,914
1,944
2,221
2,173
2,260
2,149
2,227
1,430
2.75%
1.63%
—
17.29
EPS growth%
14.29
15.00
14.73
14.99
16.12
16.88
15.33
16.30
18.48
20.13
20.68
16.88
15.73
37
585.56
Bookvalue per shVND
1,059
989.71
1,029
1,074
1,021
1,043
1,131
1,297
1,327
1,221
1,546
3.65%
2.26%
—
793.01
TBV/shVND
1,740
1,893
1,836
2,071
2,172
2,561
2,571
2,503
2,988
2,950
791.65
6.32%
6.52%
—
670.96
Dividend per shVND
968.13
1,099
1,177
1,083
1,062
1,098
1,185
1,235
1,344
1,315
1,047
4.36%
3.51%
—
21.73
Div yield (avg)%
8.20
8.76
7.47
4.62
3.38
5.93
5.02
7.58
9.59
6.89
11.27
6.89
7.18
55
11.74
Payout ratio%
23.35
24.97
22.38
25.13
22.97
20.24
17.73
15.33
16.85
18.08
26.10
17.73
21.31
33
3.123
Shares (diluted)B
4.692
4.937
5.642
6.409
7.757
8.495
10.26
10.35
11.14
12.30
3.191
9.66%
10.55%
59
4.84
Buyback yield%
30.61
30.51
31.51
32.57
29.60
30.51
29.85
27.51
27.69
25.46
8.65
27.69
30.18
5
50.99
Eq/Assets%
14.83
16.03
16.00
17.12
16.60
14.72
15.51
15.60
15.93
16.57
134.86
15.60
15.96
5
8,319
AssetsVND B
13,280
14,652
16,302
18,171
19,489
20,953
22,956
23,791
25,500
28,244
11,059
7.70%
8.80%
45
6,051
LT debtVND B
6,401
6,835
7,409
7,176
6,693
6,483
6,723
7,360
7,041
6,658
10,909
(0.11%)
1.36%
22
Total assets
VND 28.24T
8.80%
1.90×
Revenue
VND 9.872T
2.02%
1.00×
Non-interest expense
VND 5.401T
2.01%
1.00×
Net interest income
75.85%
Non-interest income
24.15%