9,700
RevenueVND B
30,395
31,848
33,280
34,099
35,935
37,546
38,962
40,601
42,713
43,878
10,048
4.07%
4.14%
51
10.24
Revenue growth%
24.31
22.45
20.51
22.62
20.58
17.71
17.77
18.54
20.75
22.06
26.03
18.54
20.66
81
21.82
NIM%
23.89
22.47
21.51
19.32
17.27
19.85
19.70
19.12
16.41
15.95
10.43
19.12
19.51
20
15.60
Effic. R.%
21.23
19.66
20.97
18.03
16.01
15.59
18.04
19.46
21.89
22.76
4.35
19.46
19.56
7
23.66
Net margin%
30.03
29.24
30.51
27.78
28.57
29.58
31.66
30.88
29.85
28.18
19.74
29.85
29.71
73
35.23
P/E ratio (avg)x
24.75
21.78
20.78
21.31
20.47
19.47
19.50
17.43
18.02
18.16
23.75
18.16
19.99
14
17.35
P/TBVx
12.38
12.05
12.47
11.77
11.90
13.13
12.37
11.78
11.53
12.37
37.70
12.37
12.21
63
10.05
P/Bx
57.22
56.66
61.82
64.78
63.76
70.41
72.68
73.95
83.33
82.09
21.25
73.95
67.59
40
20,361
NIIVND B
22,260
22,911
23,998
24,728
26,067
27,004
28,069
29,520
30,605
31,725
22,997
4.01%
4.21%
—
11.15
NII grth%
22.57
22.44
20.88
18.36
15.59
15.41
18.17
17.52
17.23
16.93
3.32
17.23
17.84
46
7.62
ROTE%
10.64
11.05
10.61
13.10
12.76
11.39
12.47
12.33
12.90
11.46
18.28
12.33
11.90
70
6.50
Return on equity%
13.14
15.42
15.65
13.70
11.11
13.23
15.59
14.03
13.82
11.67
11.31
13.82
13.76
57
24.22
Return on assets%
9.39
7.61
5.44
6.01
5.70
7.39
5.46
4.46
3.10
4.86
11.86
4.86
5.58
42
530.20
EPSVND
1,635
1,535
1,747
1,721
1,675
1,857
1,744
1,735
1,786
1,942
567.93
3.01%
2.88%
—
6.80
EPS growth%
15.12
17.91
16.71
15.96
13.94
11.29
12.92
13.46
15.59
16.64
21.54
13.46
15.35
68
2,603
Bookvalue per shVND
1,927
2,027
2,149
1,958
1,899
1,645
1,736
1,525
1,328
1,332
545.44
(6.86%)
(3.86%)
—
2,812
TBV/shVND
2,073
2,093
2,258
2,503
2,565
2,475
2,687
2,547
2,799
2,936
2,164
2.74%
4.62%
—
655.06
Dividend per shVND
1,255
1,186
1,194
1,217
1,374
1,480
1,474
1,566
1,757
1,872
2,539
6.38%
4.15%
—
9.07
Div yield (avg)%
12.28
14.72
14.49
13.88
14.80
15.70
18.23
18.16
15.95
13.32
11.13
15.95
14.76
24
21.16
Payout ratio%
5.90
8.81
6.68
5.32
2.47
4.11
4.30
4.78
1.90
1.36
22.61
4.11
4.54
23
9.988
Shares (diluted)B
10.62
10.51
9.460
9.368
9.357
8.245
7.908
8.086
8.388
7.655
9.725
(3.93%)
(2.77%)
13
25.55
Buyback yield%
17.45
17.47
16.08
16.40
18.14
19.29
20.04
21.43
24.09
25.45
15.57
21.43
18.71
44
64.23
Eq/Assets%
199.35
190.87
205.00
198.21
218.36
206.83
210.19
200.83
189.62
170.88
97.66
200.83
200.09
51
21,909
AssetsVND B
36,589
38,786
39,784
42,841
44,300
49,029
52,588
58,936
62,114
70,669
41,897
9.79%
7.54%
37
35,238
LT debtVND B
29,980
30,425
26,512
26,585
25,113
21,628
22,099
20,255
20,967
22,016
20,663
(2.60%)
(3.11%)
45
Total assets
VND 70.67T
7.54%
1.38×
Revenue
VND 43.88T
4.14%
1.00×
Non-interest expense
VND 21.52T
3.99%
0.99×
Net interest income
72.30%
Non-interest income
27.70%