93,617
RevenueVND B
91,916
96,727
102,317
109,890
117,565
126,447
137,131
147,381
158,722
166,361
102,627
7.19%
6.70%
79
17.19
Revenue growth%
17.19
16.25
14.50
14.03
14.46
16.81
15.65
12.75
14.62
13.96
20.19
14.62
14.56
82
20.09
NIM%
26.47
27.35
27.17
24.96
25.87
25.89
26.80
28.80
31.05
28.18
22.43
28.18
26.99
94
6.33
Effic. R.%
4.40
5.54
2.65
0.40
2.07
2.59
3.97
4.67
3.21
5.78
25.15
3.97
3.59
13
13.18
Net margin%
6.69
8.13
10.05
9.13
7.74
9.98
10.44
12.47
11.86
14.59
16.75
11.86
10.01
19
28.67
P/E ratio (avg)x
27.58
29.84
30.28
27.95
27.38
27.14
26.82
28.12
26.76
28.86
31.15
27.14
27.76
61
27.96
P/TBVx
20.50
19.20
18.55
21.24
20.66
20.95
23.33
26.35
24.75
23.61
23.31
23.61
21.10
27
21.15
P/Bx
31.90
35.81
42.30
41.40
45.84
49.31
53.18
56.73
58.10
64.48
15.46
56.73
47.57
73
70,229
NIIVND B
58,492
62,004
65,183
70,076
75,911
80,969
87,574
93,437
102,034
104,908
145,031
6.68%
6.54%
—
6.11
NII grth%
19.48
19.69
21.30
20.07
18.05
16.79
19.37
17.01
14.66
13.55
3.72
16.79
18.71
7
19.44
ROTE%
29.93
27.85
24.99
26.35
24.94
25.51
28.36
26.19
28.76
27.04
15.67
27.04
26.69
12
10.54
Return on equity%
17.11
16.35
15.60
17.77
19.57
19.58
17.39
15.50
13.18
15.08
29.46
15.50
16.73
31
29.90
Return on assets%
21.08
20.11
17.55
19.13
18.95
19.87
18.89
18.61
17.30
14.52
15.47
18.61
18.92
74
1,654
EPSVND
1,716
1,635
1,716
1,498
1,320
1,355
1,317
1,283
1,368
1,432
1,688
1.64%
(3.04%)
—
26.69
EPS growth%
27.41
29.81
28.73
29.89
32.36
31.60
31.02
33.06
32.58
30.56
28.57
31.60
30.79
14
3,951
Bookvalue per shVND
1,632
1,680
1,886
2,201
2,199
2,292
2,680
3,016
3,511
3,539
2,980
9.99%
8.50%
—
4,866
TBV/shVND
4,920
5,569
6,265
6,681
6,928
7,380
6,639
6,100
5,697
6,433
2,261
(1.47%)
3.48%
—
6,331
Dividend per shVND
6,396
6,280
5,713
4,976
5,012
4,546
3,890
4,007
3,430
3,510
4,359
(6.88%)
(5.81%)
—
5.81
Div yield (avg)%
8.28
8.61
11.03
13.74
13.56
12.58
14.24
12.45
9.60
11.16
4.68
12.45
11.80
50
29.62
Payout ratio%
12.22
9.83
8.94
7.89
7.24
7.62
5.63
3.40
5.16
3.54
8.88
5.16
7.43
59
8.281
Shares (diluted)B
10.80
12.33
14.53
15.15
16.47
19.44
23.00
24.97
27.22
28.55
8.264
11.64%
9.83%
61
22.98
Buyback yield%
30.47
30.76
32.29
34.18
36.82
38.25
38.22
39.99
37.65
36.77
22.13
38.22
36.79
62
44.15
Eq/Assets%
160.31
160.08
162.76
159.61
141.62
144.61
150.29
157.00
161.85
151.15
43.20
151.15
158.31
56
67,023
AssetsVND B
379,205
420,039
441,063
476,906
521,777
536,149
584,742
652,735
702,360
754,276
85,818
7.65%
8.01%
36
98,630
LT debtVND B
138,087
138,929
129,032
118,842
121,028
123,259
119,659
124,904
136,088
149,810
131,172
4.36%
1.17%
55
Total assets
VND 754.3T
8.01%
1.13×
Revenue
VND 166.4T
6.70%
1.00×
Non-interest expense
VND 99.21T
6.53%
0.98×
Net interest income
63.06%
Non-interest income
36.94%