1,196
RevenueVND B
1,454
1,500
1,567
1,652
1,751
1,807
1,848
1,871
1,964
2,080
1,286
3.51%
3.94%
76
11.74
Revenue growth%
6.10
7.35
6.63
7.14
4.66
3.06
1.06
1.55
4.00
1.47
29.79
1.55
4.33
81
17.02
NIM%
13.54
14.47
13.87
11.85
14.72
12.88
13.33
13.78
15.99
18.39
9.65
13.78
13.82
77
9.16
Effic. R.%
2.98
5.30
5.85
3.65
4.32
2.06
0.40
0.40
3.21
2.03
13.55
2.03
3.10
8
29.53
Net margin%
14.86
17.52
19.91
19.73
21.34
23.05
24.23
24.60
24.25
21.77
12.57
24.23
21.55
57
27.02
P/E ratio (avg)x
11.36
12.46
12.24
13.58
15.02
15.60
16.79
17.37
19.74
18.85
12.58
17.37
15.31
55
20.05
P/TBVx
10.74
10.70
11.47
11.97
11.72
10.49
9.436
9.455
9.810
10.62
24.27
9.810
10.66
33
15.30
P/Bx
12.42
12.56
13.54
12.75
14.80
14.93
15.65
16.73
19.42
22.56
25.93
16.73
14.86
29
1,521
NIIVND B
983.3
1,018
1,063
1,116
1,193
1,248
1,251
1,262
1,337
1,421
1,517
3.56%
3.86%
—
29.17
NII grth%
25.69
23.37
22.23
19.90
18.70
18.31
19.29
20.40
19.81
18.96
17.27
19.29
19.86
33
27.36
ROTE%
8.48
6.29
4.68
3.24
4.95
2.30
1.24
0.40
2.34
2.16
4.00
2.16
2.79
12
3.44
Return on equity%
17.72
18.76
18.15
17.91
19.65
18.23
16.68
15.44
17.53
18.97
8.29
17.53
18.03
38
11.43
Return on assets%
31.19
30.38
31.73
34.66
32.17
29.56
30.07
30.47
31.01
32.34
12.37
30.47
31.10
82
1,058
EPSVND
947.01
950.51
1,051
940.64
844.71
923.04
931.78
893.68
956.99
1,042
1,124
4.28%
1.14%
—
24.01
EPS growth%
16.49
15.12
13.14
14.44
13.79
11.96
13.52
10.97
12.02
10.50
4.28
11.96
13.33
16
523.15
Bookvalue per shVND
866.42
808.67
927.20
1,063
1,220
1,203
1,383
1,319
1,533
1,735
290.75
7.31%
6.46%
—
1,196
TBV/shVND
441.83
474.78
511.35
475.97
503.75
495.58
458.45
482.40
509.37
575.64
694.57
2.70%
3.41%
—
439.50
Dividend per shVND
388.87
419.05
388.10
403.45
382.90
334.42
302.70
310.14
282.19
256.66
1,056
(7.69%)
(4.16%)
—
29.08
Div yield (avg)%
24.61
26.16
28.95
27.60
24.79
24.27
21.30
22.74
20.32
20.24
11.58
21.30
24.44
32
20.02
Payout ratio%
0.40
1.71
0.44
0.40
0.70
3.42
6.40
5.14
5.17
2.70
28.43
5.14
2.20
44
890.9
Shares (diluted)M
768.6
763.4
723.9
622.5
598.7
609.4
557.9
577.0
600.8
578.8
911.0
(0.67%)
(4.15%)
24
14.27
Buyback yield%
15.45
18.10
16.01
14.81
12.49
13.55
13.34
12.16
10.61
10.28
5.93
12.16
13.44
48
115.01
Eq/Assets%
147.22
148.51
137.58
145.28
155.87
158.65
178.15
172.17
192.97
202.76
103.83
178.15
157.26
33
1,444
AssetsVND B
2,617
2,937
3,032
3,367
3,646
4,202
4,499
5,144
5,646
6,189
286.8
11.16%
9.52%
64
1,691
LT debtVND B
1,339
1,488
1,461
1,601
1,712
1,749
1,783
2,073
2,418
2,292
822.6
6.01%
6.73%
29
Total assets
VND 6.189T
9.52%
1.69×
Revenue
VND 2.080T
3.94%
1.00×
Non-interest expense
VND 1.068T
3.84%
0.99×
Net interest income
68.33%
Non-interest income
31.67%