1,118
RevenueVND B
1,300
1,380
1,458
1,539
1,660
1,795
1,947
2,070
2,255
2,395
1,222
7.60%
7.23%
81
9.99
Revenue growth%
6.22
8.24
6.43
3.65
1.35
4.20
4.43
5.19
6.68
6.68
26.05
5.19
5.71
26
20.09
NIM%
17.70
17.04
14.30
12.62
10.75
13.08
14.64
11.80
11.21
12.24
28.84
12.24
12.85
75
14.86
Effic. R.%
6.55
9.28
9.45
8.04
9.51
10.83
10.20
12.97
13.16
15.85
10.27
12.97
9.85
38
19.87
Net margin%
7.72
9.46
12.03
12.29
10.70
9.21
6.36
4.81
2.80
0.95
20.79
4.81
8.47
14
25.42
P/E ratio (avg)x
21.79
22.03
24.35
25.84
27.17
26.49
28.87
27.46
27.19
28.04
37.58
27.46
26.83
37
14.47
P/TBVx
40.46
46.17
43.99
45.96
45.94
47.45
54.63
57.17
55.85
66.28
29.24
55.85
46.81
37
30.68
P/Bx
37.79
35.34
34.59
32.18
31.68
32.78
31.49
30.31
28.60
27.02
34.95
30.31
31.93
10
1,810
NIIVND B
1,020
1,084
1,136
1,202
1,290
1,417
1,537
1,629
1,766
1,848
2,534
7.45%
7.06%
—
15.54
NII grth%
21.25
22.25
23.86
20.88
18.00
19.36
21.35
23.34
21.95
19.15
24.27
21.35
21.30
27
15.47
ROTE%
25.28
27.37
26.58
29.01
32.01
32.59
32.79
33.99
33.36
31.29
13.20
32.79
31.65
28
13.24
Return on equity%
14.26
11.29
12.01
13.79
13.73
14.80
13.39
10.47
10.24
9.45
4.81
10.47
12.70
15
25.16
Return on assets%
3.74
4.87
7.70
4.81
7.79
9.73
8.15
8.74
8.19
11.07
7.73
8.74
7.97
20
828.53
EPSVND
687.54
676.14
623.17
576.41
549.86
511.10
508.37
502.08
491.75
530.46
907.11
(0.72%)
(1.38%)
—
18.36
EPS growth%
29.46
26.64
24.62
27.19
29.20
27.74
29.99
30.51
31.93
32.78
28.56
30.51
29.33
61
1,306
Bookvalue per shVND
1,428
1,644
1,565
1,489
1,709
1,607
1,772
1,965
2,017
1,917
731.39
2.32%
4.65%
—
593.50
TBV/shVND
306.55
294.41
280.20
263.22
241.38
258.57
241.99
277.94
263.95
244.73
1,589
0.28%
(3.01%)
—
1,115
Dividend per shVND
310.97
310.70
331.20
384.18
384.17
403.56
386.64
401.76
434.90
426.84
1,367
2.13%
4.07%
—
7.94
Div yield (avg)%
23.92
25.57
23.74
22.10
24.81
27.49
24.99
24.70
25.23
23.67
20.77
24.99
24.76
45
28.98
Payout ratio%
0.40
0.40
2.15
4.20
6.08
4.40
4.45
3.64
3.31
5.87
23.99
4.40
3.92
28
1.211
Shares (diluted)B
1.460
1.668
1.876
1.861
1.902
1.738
1.874
1.887
2.076
1.931
1.194
0.30%
3.91%
76
27.58
Buyback yield%
26.06
24.33
22.02
22.78
20.01
18.31
20.33
17.46
16.05
13.33
27.75
17.46
20.17
70
96.71
Eq/Assets%
37.41
37.37
34.66
32.77
31.14
28.10
26.96
25.69
27.36
25.04
156.09
26.96
29.62
27
2,110
AssetsVND B
5,103
5,480
5,959
6,420
6,668
7,130
7,843
8,508
8,897
9,265
1,894
6.80%
7.10%
40
1,711
LT debtVND B
1,335
1,348
1,612
1,578
1,624
1,861
1,970
2,073
2,369
2,744
990.5
11.06%
8.87%
93
Total assets
VND 9.265T
7.10%
0.99×
Revenue
VND 2.395T
7.23%
1.00×
Non-interest expense
VND 1.360T
6.98%
0.98×
Net interest income
77.15%
Non-interest income
22.85%