5,165
RevenueVND B
6,764
7,155
7,504
7,965
8,506
9,022
9,744
10,301
11,037
11,868
5,588
6.89%
6.16%
13
29.68
Revenue growth%
25.37
27.33
26.07
23.49
21.07
23.86
24.19
25.44
27.75
26.30
14.84
25.44
25.41
77
8.57
NIM%
16.23
15.50
17.36
16.04
16.71
18.18
20.65
22.17
20.02
21.58
8.38
20.65
17.77
36
10.30
Effic. R.%
11.96
11.04
8.25
8.18
6.58
7.38
5.51
7.30
8.78
8.30
24.09
7.38
8.22
79
28.67
Net margin%
10.24
9.50
8.07
8.69
10.76
10.18
7.60
4.71
3.21
1.77
5.88
4.71
8.38
17
19.31
P/E ratio (avg)x
30.94
29.50
31.92
33.19
35.30
33.71
32.62
34.52
33.94
33.39
23.91
33.71
33.29
11
16.70
P/TBVx
25.39
28.15
28.11
26.59
26.87
24.94
26.08
26.11
25.38
25.20
8.163
25.38
26.10
38
14.29
P/Bx
26.60
23.93
23.97
22.11
20.85
20.73
18.26
17.81
16.58
14.99
12.77
17.81
20.79
85
6,969
NIIVND B
5,155
5,471
5,711
6,001
6,465
6,909
7,466
7,880
8,339
9,015
9,238
6.88%
6.11%
—
26.97
NII grth%
28.83
30.37
27.93
29.77
27.93
25.23
26.34
24.07
26.42
28.35
19.55
26.34
27.93
32
4.49
ROTE%
27.99
30.14
29.23
26.34
23.55
20.75
19.36
19.57
18.66
19.91
29.76
19.57
22.15
35
12.28
Return on equity%
21.39
23.52
22.03
22.54
21.08
20.19
19.16
20.92
20.73
21.93
24.03
20.73
21.24
20
21.00
Return on assets%
19.35
21.62
20.30
19.92
18.24
20.30
21.77
21.55
19.50
21.79
22.92
21.55
20.30
34
1,028
EPSVND
1,637
1,554
1,625
1,637
1,718
1,710
1,685
1,827
2,030
2,131
1,075
4.40%
3.90%
—
12.16
EPS growth%
19.23
20.89
22.51
20.80
20.55
22.43
22.47
21.20
22.40
19.74
10.79
22.40
21.05
72
1,388
Bookvalue per shVND
240.72
252.94
284.77
277.45
286.22
264.25
246.36
265.68
255.68
254.54
1,216
(2.32%)
(0.21%)
—
1,161
TBV/shVND
1,921
1,902
1,789
1,754
1,782
1,970
1,877
2,102
2,381
2,424
1,723
6.35%
2.53%
—
392.76
Dividend per shVND
222.69
204.11
195.32
186.65
166.88
145.56
139.46
149.31
148.96
153.67
691.06
(1.63%)
(4.24%)
—
18.24
Div yield (avg)%
6.05
4.51
2.78
0.40
0.40
1.68
0.40
0.65
0.90
1.50
19.86
0.90
1.20
39
15.90
Payout ratio%
20.61
22.68
19.95
22.23
21.48
18.56
17.21
19.06
16.26
17.74
27.84
17.74
19.50
59
3.719
Shares (diluted)B
3.558
3.152
3.433
3.345
3.112
3.182
2.974
2.946
2.579
2.579
3.678
(3.68%)
(4.06%)
94
28.93
Buyback yield%
8.43
8.69
7.27
5.54
5.64
5.73
8.27
5.51
2.75
2.56
21.16
5.51
5.68
68
149.50
Eq/Assets%
146.83
148.39
158.41
151.92
166.71
159.73
154.61
156.79
162.94
164.01
82.03
159.73
157.60
16
6,614
AssetsVND B
24,213
25,554
27,294
29,058
32,869
33,916
38,664
43,253
47,920
49,798
5,760
8.66%
8.49%
90
7,824
LT debtVND B
11,642
11,756
14,230
16,446
16,914
19,378
22,975
22,831
25,253
25,992
1,681
8.97%
10.43%
88
Total assets
VND 49.80T
8.49%
1.24×
Revenue
VND 11.87T
6.16%
1.00×
Non-interest expense
VND 6.046T
6.42%
1.02×
Net interest income
75.96%
Non-interest income
24.04%