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1H24 Financial Highlights

Balance sheet (VND Bn) 2Q23 3Q23 4Q23 1Q24 2Q24 6M23 6M24 6M24 vs. 6M23 2Q24 vs. 1Q24 2Q24 vs. 2Q23
Total assets 732,470 781,279 849,482 885,653 908,307 732,470 908,307 24% 2.6% 24%
Deposits from customers 381,947 409,045 454,661 458,041 481,860 381,947 481,860 26.2% 5.2% 126.2%
Credit growth1 8.5% 11.4% 19.2% 6.4% 11.6% 8.5% 11.6% +313 bps +522 bps +313 bps
CASA 34.9% 33.6% 39.9% 40.5% 37.4% 34.9% 37.4% +245 bps -309 bps +245 bps
NPL 1.10% 1.40% 1.19% 1.17% 1.28% 1.10% 1.28% +19 bps +11 bps +19 bps
Credit costs (LTM) 0.6% 0.7% 0.8% 0.9% 1.1% 0.6% 1.1% +46 bps +13 bps +46 bps
Coverage ratio 115.80% 93.00% 102.10% 105.90% 101.03% 115.58% 101.03% -1,455 bps -491 bps -1,455 bps
Capital and liquidity 2Q23 3Q23 4Q23 1Q24 2Q24 6M23 6M24 6M24 vs. 6M23 2Q24 vs. 1Q24 2Q24 vs. 2Q23
Basel II CAR 15.1% 15.0% 14.3% 14.2% 14.5% 15.1% 14.5% -61 bps +31 bps -61 bps
Basel II Tier 1 ratio 14.9% 14.8% 13.9% 13.8% 14.2% 14.9% 14.2% -73 bps +36 bps -73 bps
Total Risk Weighted Assets 811,026 844,966 931,219 986,115 965,312 811,026 965,312 19.0% -2.1% 19.0%
ST fundings to MLT loans2 31.6% 30.5% 26.4% 25.1% 24.2% 31.6% 24.2% -738 bps -90 bps -738 bps
LDR2 80.4% 76.7% 77.4% 78.5% 79.6% 80.4% 79.6% -82 bps +110 bps -82 bps
Profitability (VND Bn) 2Q23 3Q23 4Q23 1Q24 2Q24 6M23 6M24 6M24 vs. 6M23 2Q24 vs. 1Q24 2Q24 vs. 2Q23
Net interest income 6,295 7,272 7,597 8,500 9,478 12,822 17,977 40% 12% 51%
Net interest income 3,030 3,146 3,420 3,762 3,942 5,803 7,704 33% 5% 30%
Operating expenses (2,869) (3,631) (3,610) (3,249) (3,949) (6,011) (7,198) 20% 22% 38%
Profit before tax 5,649 5,843 5,773 7,802 7,827 11,272 15,628 39% 0% 39%
NFI/TOI3 24.7% 26.3% 28.7% 23.0% 23.3% 24.2% 23.2% -103 bps +33 bps -142 bps
CIR 30.8% 34.8% 32.8% 26.5% 29.4% 32.3% 28.0% -425 bps +293 bps -134 bps
ROA (LTM) 2.6% 2.4% 2.4% 2.5% 2.6% 2.6% 2.6% 0 bps +10 bps 0 bps
ROE (LTM) 15.8% 14.6% 14.8% 15.6% 16.5% 15.8% 16.5% +68 bps +85 bps +68 bps
NIM (LTM) 4.3% 4.1% 4.0% 4.1% 4.3% 4.3% 4.3% -1 bps +24 bps -1 bps
Cost of funds 5.4% 4.7% 4.2% 3.4% 3.2% 5.3% 3.3% -207 bps -20bps -224 bps

Notes: : 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

3M24 Financial Highlights

Balance sheet (VND Bn) 1Q23 2Q23 3Q23 4Q23 1Q24 3M23 3M24 3M24 vs. 3M23 1Q24 vs. 4Q23 1Q24 vs. 1Q23
Total assets 723,518 732,470 781,279 849,482 885,653 723,518 885,653 22.4% 4.3% 22.4%
Deposits from customers 387,298 381,947 409,045 454,661 458,041 387,298 458,041 18.3% 0.7% 18.3%
Credit growth1 9.3% 8.5% 11.4% 19.2% 6.4% 9.3% 6.4% -294 bps na -294 bps
CASA 32.0% 34.9% 33.6% 39.9% 40.5% 32.0% 40.5% +843 bps +55 bps +843 bps
NPL 0.87% 1.10% 1.40% 1.19% 1.17% 0.9% 1.17% +31 bps -2 bps +31 bps
Credit costs (LTM) 0.4% 0.6% 0.7% 0.8% 0.9% 0.4% 0.9% +53 bps +7 bps +53 bps
Coverage ratio 133.8% 115.6% 93.0% 102.1% 105.9% 133.8% 105.9% -2,787 bps +387 bps -2,787 bps
Capital and liquidity 1Q23 2Q23 3Q23 4Q23 1Q24 3M23 3M24 3M24 vs 3M23 1Q24 vs. 4Q23 1Q24 vs. 1Q23
Basel II CAR 15.0% 15.1% 15.0% 14.4% 14.2% 15.0% 14.2% -80 bps -18 bps -106bps
Basel II Tier 1 ratio 14.8% 14.9% 14.8% 14.0% 13.8% 14.8% 13.8% -106 bps -18 bps -106 bps
Total Risk Weighted Assets 783,241 811,026 844,966 931,151 986,115 783,241 986,115 25.9% 5.9% 25.9%
ST fundings to MLT loans2 33.5% 31.6% 30.5% 26.4% 25.1% 33.5% 25.1% -296 bps -130 bps -840 bps
LDR2 81.0% 80.4% 76.7% 77.4% 78.5% 81.0% 78.5% -247 bps +110 bps -247 bps
Profitability (VND Bn) 1Q23 2Q23 3Q23 4Q23 1Q24 3M23 3M24 3M24 vs. 3M23 1Q24 vs. 4Q23 1Q24 vs. 1Q23
Net interest income 6,527 6,295 7,272 7,597 8,500 6,527 8,500 30.2% 11.9% 30.2%
Non-interest income 2,773 3,030 3,146 3,420 3,762 6,527 8,500 35.7% 10.0% 35.7%
Operating expenses (3,142) (2,869) (3,631) (3,610) (3,249) (3,142) (3,249) 3.4% -10.0% 3.4%
Profit before tax 5,623 5,649 5,843 5,773 7,802 5,623 7,802 38.7% 35.1% 38.7%
NFI/TOI3 23.7% 24.7% 26.3% 28.7% 23.0% 23.7% 23.0% -66 bps -569 bps -66 bps
CIR 33.8% 30.8% 34.8% 32.8% 26.5% 33.8% 26.5% -729 bps -627 bps -729 bps
ROA (LTM) 2.9% 2.6% 2.4% 2.4% 2.5% 2.9% 2.5% -39 bps 11 bps -39 bps
ROE (LTM) 17.8% 15.8% 14.6% 14.8% 15.6% 17.8% 15.6% -211 bps +80 bps -211 bps
NIM (LTM) 4.6% 4.3% 4.0% 3.9% 4.0% 5.3% 3.4% -66 bps 8 bps -66 bps
Cost of funds 5.3% 5.4% 4.7% 4.2% 3.4% 5.3% 3.4% -189 bps -83 bps -189 bps

Notes: : 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

FY23 Financial Highlights

Balance sheet (VND Bn) 4Q22 1Q23 2Q23 3Q23 4Q23 FY22 FY23 FY23 vs. FY22 4Q23 vs. 3Q23 4Q23 vs. 4Q22
Total assets 699,033 723,518 732,470 781,279 849,482 699,033 849,482 21.5% 8.7% 21.5%
Deposits from customers 358,404 387,298 381,947 409,045 454,661 358,404 454,661 26.9% 11.2% 26.9%
Credit growth1 14.5% 9.3% 8.5% 11.4% 19.2% 14.5% 19.2% +474 bps +782 bps +474 bps
CASA 37.0% 32.0% 34.9% 33.6% 39.9% 37.0% 39.9% +296 bps +628 bps +296 bps
NPL 0.74% 0.87% 1.10% 1.40% 1.19% 0.74% 1.19% +46 bps -20 bps +46 bps
Credit costs (LTM) 0.3% 0.4% 0.6% 0.7% 0.8% 0.3% 0.8% +54 bps +16 bps +54 bps
Coverage ratio 157.3% 133.8% 115.8% 93.0% 102.1% 151.2% 102.1% -4,913 bps +903 bps -4,913 bps
Capital and liquidity 4Q22 1Q23 2Q23 3Q23 4Q23 FY22 FY23 FY23 vs. FY22 4Q23 vs. 3Q23 4Q23 vs. 4Q22
Basel II CAR 15.2% 15.0% 15.1% 15.0% 14.4% 15.2% 14.4% -83 bps -65 bps -83 bps
Basel II Tier 1 ratio 15.2% 14.8% 14.9% 14.8% 14.0% 15.2% 14.4% -122 bps -86 bps -122 bps
Total Risk Weighted Assets 737,616 783,241 810,975 844,966 931,151 737,334 931,151 26.3% 10.2% 26.3%
ST fundings to MLT loans2 28.8% 33.5% 31.6% 30.5% 26.4% 28.8% 30.5% +179 bps -414 bps -235 bps
LDR2 76.6% 81.0% 80.4% 76.7% 77.4% 76.6% 77.4% +83 bps +67 bps +83 bps
Profitability (VND Bn) 4Q22 1Q23 2Q23 3Q23 4Q23 FY22 FY23 FY23 vs. FY22 4Q23 vs. 3Q23 4Q23 vs. 4Q22
Net interest income 6,819 6,527 6,295 7,272 7,597 30,290 27,691 -8.6% 4.5% 11.4%
Non-interest income 2,532 2,773 3,030 3,146 3,420 10,237 12,370 20.8% 8.7% 35.1%
Operating expenses (3,913) (3,142) (2,869) (3,631) (3,610) (13,023) (13,252) 1.8% -0.6% -7.8%
Profit before tax 4,746 5,623 5,649 5,843 5,773 25,568 22,888 -10.5% -1.2% 21.6%
NFI/TOI3 29.4% 23.7% 24.7% 26.3% 28.7% 23.7% 26.0% +225 bps +239 bps -73 bps
CIR 41.9% 33.8% 30.8% 34.8% 32.8% 32.1% 33.1% +94 bps -208 bps -908 bps
ROA (LTM) 3.2% 2.9% 2.6% 2.4% 2.4% 3.2% 2.4% -82 bps 0 bps -82 bps
ROE (LTM) 19.6% 17.8% 15.8% 14.6% 14.8% 19.6% 14.8% -474 bps +22 bps -474 bps
NIM (LTM) 5.11% 4.64% 4.25% 4.03% 3.90% 5.11% 3.90% -122 bps -13 bps -122 bps
Cost of funds 4.1% 5.3% 5.4% 4.7% 4.2% 2.9% 4.9% +199 bps -52 bps +9 bps

Notes: : 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

9M23 Financial Highlights

Balance sheet (VND Bn) 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 9M23 vs. 9M22 3Q23 vs. 2Q23 3Q23 vs. 3Q22
Total assets 671,354 699,033 723,518 732,470 781,279 671,354 781,279 16.4% 6.7% 16.4%
Deposits from customers 318,919 358,404 387,298 381,947 409,045 318,919 409,045 28.3% 7.1% 28.3%
Credit growth1 11.1% 14.5% 9.3% 8.5% 11.4% 11.1% 11.4% +30 bps +294 bps +30 bps
CASA 46.5% 37.0% 32.0% 34.9% 33.6% 46.5% 33.6% -1,283 bps -129 bps -1,283 bps
NPL 0.7% 0.7% 0.9% 1.1% 1.4% 0.7% 1.4% +73 bps +30 bps +73 bps
Credit costs (LTM) 0.3% 0.3% 0.4% 0.6% 0.7% 0.3% 0.7% +37 bps +30 bps +37 bps
Coverage ratio 165.0% 157.3% 133.8% 115.8% 93.0% 165.0% 93.0% -6,767 bps -2,254 bps -6,767 bps
Capital and liquidity 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 9M23 vs. 9M22 3Q23 vs. 2Q23 3Q23 vs. 3Q22
Basel II CAR 15.7% 15.2% 15.0% 15.1% 15.0% 15.7% 15.0% -70 bps -10 bps -70 bps
Basel II Tier 1 ratio 15.6% 15.2% 14.8% 14.9% 14.8% 15.6% 14.8% -80 bps -10 bps -80 bps
Total Risk Weighted Assets 696,149 737,616 783,241 810,975 844,966 696,149 844,966 21.4% 4.1% 21.4%
ST fundings to MLT loans2 27.4% 28.8% 33.5% 31.6% 30.5% 27.4% 30.5% +310 bps -110 bps +310 bps
LDR2 78.2% 76.6% 81.0% 80.4% 76.7% 78.2% 76.7% +310 bps -110 bps +310 bps
Profitability (VND Bn) 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 9M23 vs. 9M22 3Q23 vs. 2Q23 3Q23 vs. 3Q22
Net interest income 7,565 6,819 6,527 6,295 7,272 23,470 20,094 -14.4% 15.5% -3.9%
Non-interest income 2,670 2,532 2,773 3,030 3,146 7,706 8,950 16.1% 3.8% 17.8%
Operating expenses (2,911) (3,913) (3,142) (2,869) (3,631) (9,110) (9,642) 5.8% 26.6% 24.7%
Profit before tax 6,715 4,746 5,623 5,649 5,843 20,822 17,115 -17.8% 3.4% -13.0%
NFI/TOI3 23.8% 29.4% 23.7% 24.7% 26.3% 22.0% 24.9% +296 bps +155 bps +245 bps
CIR 28.4% 41.9% 33.8% 30.8% 34.8% 29.2% 33.2% +296 bps +155 bps +245 bps
ROA (LTM) 3.6% 3.2% 2.9% 2.6% 2.4% 3.6% 2.4% -117 bps -21 bps -117 bps
ROE (LTM) 21.7% 19.6% 17.8% 15.8% 14.6% 21.7% 14.6% -703 bps -119 bps -703 bps
NIM (LTM) 5.40% 5.11% 4.64% 4.25% 4.03% 5.40% 4.03% -138 bps -22 bps -138 bps
Cost of funds 2.9% 4.1% 5.3% 5.4% 4.7% 2.5% 5.1% +267 bps -69 bps +184 bps

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

1H23 Financial Highlights

Balance sheet (VND Bn) 2Q22 3Q22 4Q22 1Q23 2Q23 6M22 6M23 6M23 vs. 6M22 2Q23 vs. 1Q23 2Q23 vs. 2Q22
Total assets 623,739 671,354 699,033 723,518 732,470 623,739 732,470 17.4% 1.2% 17.4%
Deposits from customers 321,634 318,919 358,404 387,298 381,947 321,634 381,947 18.8% -1.4% 18.8%
Credit growth1 8.5% 11.1% 14.5% 9.3% 8.5% 8.5% 8.5% -2 bps -85 bps -2 bps
CASA 47.5% 46.5% 37.0% 32.0% 34.9% 47.5% 34.9% -1,254 bps +289 bps -1,254 bps
NPL 0.6% 0.7% 0.7% 0.9% 1.1% 0.6% 1.1% +47 bps +22 bps +47 bps
Credit costs (LTM) 0.4% 0.3% 0.3% 0.4% 0.6% 0.4% 0.6% +18 bps +20 bps +18 bps
Coverage ratio 171.6% 165.0% 157.3% 133.8% 115.8% 171.6% 115.8% -5,579 bps -1,799 bps -5,579 bps
Capital and liquidity 2Q22 3Q22 4Q22 1Q23 2Q23 6M22 6M23 6M23 vs. 6M22 2Q23 vs. 1Q23 2Q23 vs. 2Q22
Basel II CAR 15.8% 15.7% 15.2% 15.0% 15.1% 15.8% 15.1% -69 bps +13 bps -69 bps
Basel II Tier 1 ratio 15.5% 15.6% 15.2% 14.8% 14.9% 15.5% 14.9% -60 bps +4 bps -60 bps
Total Risk Weighted Assets 668,679 696,149 737,616 783,241 810,975 668,679 810,975 21.3% 3.5% 21.3%
ST fundings to MLT loans2 32.0% 27.4% 28.8% 33.5% 31.6% 32.0% 31.6% -40 bps -192 bps -40 bps
LDR2 78.8% 78.2% 76.6% 81.0% 80.4% 78.8% 80.4% +160 bps -55 bps +160 bps
Profitability (VND Bn) 2Q22 3Q22 4Q22 1Q23 2Q23 6M22 6M23 6M23 vs. 6M22 2Q23 vs. 1Q23 2Q23 vs. 2Q22
Net interest income 7,794 7,565 6,819 6,527 6,295 15,905 12,822 -19.4% -3.6% -19.2%
Non-interest income 3,141 2,670 2,532 2,773 3,030 5,036 5,803 15.2% 9.3% -3.5%
Operating expenses (3,196) (2,911) (3,913) (3,142) (2,869) (6,199) (6,011) -3.0% -8.7% -10.2%
Profit before tax 7,321 6,715 4,746 5,623 5,649 14,106 11,272 -20.1% 0.5% -22.8%
NFI/TOI3 22.4% 23.8% 29.4% 23.7% 24.7% 21.1% 24.2% +313 bps +108 bps +233 bps
CIR 29.2% 28.4% 41.9% 33.8% 30.8% 29.6% 32.3% +267 bps -302 bps +154 bps
ROA (LTM) 3.6% 3.6% 3.2% 2.9% 2.6% 3.6% 2.6% -100 bps -29 bps -100 bps
ROE (LTM) 21.8% 21.7% 19.6% 17.8% 15.8% 21.8% 15.8% -600 bps -194 bps -600 bps
NIM (LTM) 5.55% 5.40% 5.11% 4.64% 4.25% 5.55% 4.25% -130 bps -38 bps -130 bps
Cost of funds 2.3% 2.9% 4.1% 5.3% 5.4% 2.2% 5.3% +310 bps +15 bps +311 bps

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

1Q23 Financial Highlights

Balance sheet (VND Bn) 1Q22 2Q22 3Q22 4Q22 1Q23 3M22 3M23 3M23 vs. 3M22 1Q23 vs. 4Q22 1Q23 vs. 1Q22
Total assets 615,270 623,739 671,354 699,033 723,518 615,270 723,518 17.6% 3.5% 17.6%
Deposits from customers 328,914 321,634 318,919 358,404 387,298 328,914 387,298 17.8% 8.1% 17.8%
Credit growth1 7.9% 8.5% 11.1% 14.5% 9.3% 7.9% 9.3% +142 bps -519 bps +142 bps
CASA 50.4% 47.5% 46.5% 37.0% 32.0% 50.4% 32.0% -1836 bps -493 bps -1836 bps
NPL 0.7% 0.6% 0.7% 0.7% 0.9% 0.7% 0.9% +17 bps +13 bps +17 bps
Credit costs (LTM) 0.6% 0.4% 0.3% 0.3% 0.4% 0.6% 0.4% -25 bps +4 bps -25 bps
Coverage ratio 160.8% 171.6% 165.0% 157.3% 133.8% 160.8% 133.8% -2704 bps -2354 bps -2704 bps
Capital and liquidity 1Q22 2Q22 3Q22 4Q22 1Q23 3M22 3M23 3M23 vs. 3M22 1Q23 vs. 4Q22 1Q23 vs. 1Q22
Basel II CAR 15.1% 15.8% 15.7% 15.2% 15.0% 15.1% 15.0% -12 bps -21 bps -12 bps
Basel II Tier 1 ratio 14.7% 15.5% 15.6% 15.2% 14.8% 14.7% 14.8% +18 bps -35 bps +18 bps
Total Risk Weighted Assets 665,371 668,679 696,149 737,616 783,241 632,576 783,241 17.7% 6.2% 17.7%
ST fundings to MLT loans2 32.2% 32.0% 27.4% 28.8% 33.5% 32.2% 33.5% +133 bps +475 bps +133 bps
LDR2 71.9% 78.8% 78.2% 76.6% 81.0% 71.9% 81.0% +911 bps +440 bps +911 bps
Profitability (VND Bn) 1Q22 2Q22 3Q22 4Q22 1Q23 3M22 3M23 3M23 vs. 3M22 1Q23 vs. 4Q22 1Q23 vs. 1Q22
Net interest income 8,111 7,794 7,565 6,819 6,527 8,111 6,527 -19.5% -4.3% -19.5%
Non-interest income 1,895 3,141 2,670 2,532 2,773 1,895 2,773 46.3% 9.5% 46.3%
Operating expenses (3,003) (3,196) (2,911) (3,913) (3,142) (3,003) (3,142) 4.6% -19.7% 4.6%
Profit before tax 6,785 7,321 6,715 4,746 5,623 6,785 5,623 -17.1% 18.5% -17.1%
NFI/TOI3 18.4% 20.3% 22.7% 28.1% 23.1% 19.6% 23.7% +403 bps -508 bps +464 bps
CIR 30.0% 29.2% 28.4% 41.9% 33.8% 30.0% 33.8% +378 bps -806 bps +378 bps
ROA (LTM) 3.6% 3.6% 3.6% 3.2% 2.9% 3.6% 2.9% -73 bps -32 bps -73 bps
ROE (LTM) 21.8% 21.8% 21.7% 19.6% 17.8% 21.8% 17.8% -406 bps -183 bps -406 bps
NIM (LTM) 5.64% 5.55% 5.40% 5.11% 4.64% 5.64% 4.64% -100 bps -48 bps -100 bps
Cost of funds 2.2% 2.3% 2.9% 4.1% 5.3% 2.2% 5.3% +309 bps +116 bps +309 bp

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

FY22 Financial Highlights

Balance sheet (VND Bn) 4Q21 1Q22 2Q22 3Q22 4Q22 FY21 FY22 FY22 vs. FY21 4Q22 vs. 3Q22 4Q22 vs. 4Q21
Total assets 568,729 615,270 623,739 671,354 699,033 568,729 699,033 22.9% 4.1% 22.9%
Deposits from customers 314,753 328,914 321,634 318,919 358,404 314,753 358,404 13.9% 12.4% 13.9%
Credit growth1 22.1% 7.9% 8.5% 11.1% 14.5% 22.1% 14.5% -760 bps +340 bps -760 bps
CASA 50.5% 50.4% 47.5% 46.5% 37.0% 50.5% 37% -1351 bps -950 bps -1351 bps
NPL 0.7% 0.7% 0.6% 0.6% 0.9% 0.7% 0.9% +25 bps +26 bps +25 bps
Credit costs (LTM) 0.7% 0.6% 0.4% 0.3% 0.3% 0.7% 0.3% -36 bps +1 bps -36 bps
Coverage ratio 162.9% 160.8% 171.6% 165.0% 125.0% 162.9% 125.0% -3787 bps -4000 bps -3787 bps
Capital and liquidity 4Q21 1Q22 2Q22 3Q22 4Q22 FY21 FY22 FY22 vs. FY21 4Q22 vs. 3Q22 4Q22 vs. 4Q22
Basel II CAR 15.0% 15.1% 15.8% 15.7% 15.2% 15.0% 15.2% +18 bps -50 bps +18 bps
Basel II Tier 1 ratio 14.6% 14.7% 15.5% 15.6% 15.2% 14.6% 15.2% +62 bps -45 bps +62 bps
Total Risk Weighted Assets 632,576 665,371 668,679 696,149 737,616 632,576 737,616 16.6% 6.0% 16.6%
ST fundings to MLT loans2 28.8% 32.2% 32.0% 27.4% 28.8% 28.8% 28.8% -2 bps +134 bps -2 bps
LDR2 75.0% 71.9% 78.8% 78.2% 76.6% 75% 76.6% +156 bps -160 bps +156 bps
Profitability (VND Bn) 4Q21 1Q22 2Q22 3Q22 4Q22 FY21 FY22 FY22 vs. FY21 4Q22 vs. 3Q22 4Q22 vs. 4Q21
Net interest income 7,245 8,111 7,794 7,565 6,819 26,699 30,290 13.5% -9.9% -5.9%
Non-interest income 2,914 2,001 3,231 2,773 2,608 10,378 10,612 2.3% -6.0% -10.5%
Operating expenses (3,392) (3,108) (3,286) (3,014) (3,990) (11,173) (13,398) 19.9% 32.4% 17.6%
Profit before tax 6,140 6,785 7,321 6,715 4,746 23,238 25,568 10.0% -29.3% -22.7%
NFI/TOI3 25.7% 20.5% 23.1% 24.6% 30.0% 21.6% 24.4% +287 bps +538 bps +431 bps
CIR 33.4% 30.7% 29.8% 29.2% 42.3% 30.1% 32.8% +262 bps +1317 bps +893 bps
ROA (LTM) 3.7% 3.6% 3.6% 3.6% 3.2% 3.7% 3.2% -44 bps -35 bps -44 bps
ROE (LTM) 21.7% 21.8% 21.8% 21.7% 19.6% 21.7% 19.6% -213 bps -207 bps -213 bps
NIM (LTM) 5.63% 5.64% 5.55% 5.40% 5.11% 5.63% 5.11% -51 bps -29 bps -51 bps
Cost of funds 2.1% 2.2% 2.3% 2.9% 4.1% 2.1% 2.9% +78 bps +123 bps +200 bps

Notes: : 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

9M22 Financial Highlights

Balance sheet (VND Bn) 3Q21 4Q21 1Q22 2Q22 3Q22 9M21 9M22 9M22 vs. 9M21 3Q22 vs. 2Q22 3Q22 vs. 3Q21
Total assets 541,635 568,729 615,270 623,739 671,354 541,635 671,354 23.9% 7.6% 23.9%
Deposits from customers 316,376 314,753 328,914 321,634 318,919 316,376 318,919 0.8% -0.8% 0.8%
Credit growth1 14.1% 22.1% 7.9% 8.5% 11.1% 14.1% 11.1% -299 bps +262 bps -299 bps
CASA 49.0% 50.5% 50.4% 47.5% 46.5% 49.0% 46.5% -253 bps -100 bps -253 bps
NPL 0.6% 0.7% 0.7% 0.6% 0.6% 0.6% 0.6% +8 bps +5 bps +8 bps
Credit costs (LTM) 0.7% 0.7% 0.6% 0.4% 0.3% 0.7% 0.3% -35 bps -7 bps -35 bps
Coverage ratio 184.4% 162.9% 160.8% 171.6% 165.0% 184.4% 165.0% -1944 bps -662 bps -1944 bps
Capital and liquidity 3Q21 4Q21 1Q22 2Q22 3Q22 9M21 9M22 9M22 vs. 9M21 3Q22 vs. 2Q22 3Q22 vs. 3Q22
Basel II CAR 15.2% 15.0% 15.1% 15.8% 15.7% 15.2% 15.7% +55 bps -11 bps +55 bps
Basel II Tier 1 ratio 14.7% 14.6% 14.7% 15.5% 15.6% 14.7% 15.6% +92 bps +16 bps +92 bps
Total Risk Weighted Assets 595,222 632,576 665,371 668,679 696,149 595,222 696,149 17.0% 4.1% 17.0%
ST fundings to MLT loans2 32.6% 28.8% 32.2% 32.0% 27.4% 32.6% 27.4% -514 bps -457 bps -514 bps
LDR2 76.7% 75.0% 71.9% 78.8% 78.2% 76.7% 78.2% +146 bps -65 bps +146 bps
Profitability (VND Bn) 3Q21 4Q21 1Q22 2Q22 3Q22 9M21 9M22 9M22 vs. 9M21 3Q22 vs. 2Q22 3Q22 vs. 3Q21
Net interest income 6,742 7,245 8,111 7,794 7,565 19,454 23,470 20.6% -2.9% 12.2%
Non-interest income 2,037 2,914 2,001 3,231 2,773 7,463 8,004 7.3% -14.2% 36.1%
Total operating income 8,779 10,159 10,112 11,024 10,338 26,917 31,475 16.9% -6.2% 17.8%
Operating expenses (2,628) (3,392) (3,108) (3,286) (3,014) (7,781) (9,408) 20.9% -8.3% 14.7%
Profit before tax 5,562 6,140 6,785 7,321 6,715 17,098 20,822 21.8% -8.3% 20.7%
NFI/TOI3 20.8% 25.7% 20.5% 23.1% 24.6% 20.0% 22.7% +274 bps +151 bps +384 bps
CIR 29.9% 33.4% 30.7% 29.8% 29.2% 28.9% 29.9% +98 bps -65 bps -78 bps
ROA (LTM) 3.8% 3.7% 3.6% 3.6% 3.6% 3.8% 3.6% -20 bps -4 bps -20 bps
ROE (LTM) 22.1% 21.7% 21.8% 21.8% 21.7% 22.1% 21.7% -45 bps -16 bps -45 bps
NIM (LTM) 5.63% 5.63% 5.64% 5.55% 5.40% 5.63% 5.40% -22 bps -15 bps -22 bps
Cost of funds 2.3% 2.1% 2.2% 2.3% 2.9% 2.3% 2.5% +16 bps +58 bps +60 bps
Cost of funds - Last line 10 10 10 10 10 10 10 10 10 10

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

1H22 Financial Highlights

Balance sheet (VND Bn) 2Q21 3Q21 4Q21 1Q22 2Q22 6M21 6M22 6M22 vs. 6M21 2Q22 vs. 1Q22 2Q22 vs. 2Q21
Total assets 504,304 541,635 568,729 615,270 623,745 504,304 623,745 23.7% 1.4% 23.7%
Deposits from customers 289,335 316,376 314,753 328,914 321,634 289,335 321,634 11.2% -2.2% 11.2%
Credit growth1 11.2% 14.1% 22.1% 7.9% 8.5% 11.2% 8.5% -275 bps +59 bps -275 bps
CASA 46.1% 49.0% 50.5% 50.4% 47.5% 46.1% 47.5% +135 bps -293 bps +135 bps
NPL 0.4% 0.6% 0.7% 0.7% 0.6% 0.4% 0.6% +25 bps -7 bps +25 bps
Credit costs (LTM) 0.9% 0.7% 0.7% 0.6% 0.4% 0.9% 0.4% -48 bps -20 bps -48 bps
Coverage ratio 258.9% 184.4% 162.9% 160.8% 171.6% 258.9% 171.6% -8734 bps +1076 bps -8734 bps
Capital and liquidity 2Q21 3Q21 4Q21 1Q22 2Q22 6M21 6M22 6M22 vs. 6M21 2Q22 vs. 1Q22 2Q22 vs. 2Q21
Basel II CAR 15.2% 15.2% 15.0% 15.1% 15.7% 15.2% 15.7% +51 bps +60 bps +51 bps
Basel II Tier 1 ratio 14.8% 14.7% 14.6% 14.7% 15.4% 14.8% 15.4% +58 bps +72 bps +58 bps
Total Risk Weighted Assets 562,515 595,222 632,576 665,371 671,853 562,515 671,853 19.4% 1.0% 19.4%
ST fundings to MLT loans2 39.1% 32.6% 28.8% 32.2% 32.0% 39.1% 32.0% -716 bps -19 bps -716 bps
LDR2 76.6% 76.7% 75.0% 71.9% 78.8% 76.6% 78.8% +227 bps +696 bps +227 bps
Profitability (VND Bn) 2Q21 3Q21 4Q21 1Q22 2Q22 6M21 6M22 6M22 vs. 6M21 2Q22 vs. 1Q22 2Q22 vs. 2Q21
Net interest income 6,588 6,742 7,245 8,111 7,794 12,712 15,905 25.1% -3.9% 18.3%
Non-interest income 2,618 2,037 2,914 2,001 3,242 5,427 5,243 -3.4% 62.0% 23.8%
Total operating income 9,206 8,779 10,159 10,112 11,036 18,138 21,148 16.6% 9.1% 19.9%
Operating expenses (2,591) (2,628) (3,392) (3,108) (3,297) (5,154) (6,406) 24.3% 6.1% 27.3%
Profit before tax 6,018 5,562 6,140 6,785 7,321 11,536 14,106 22.3% 7.9% 21.7%
NFI/TOI3 20.2% 20.8% 25.7% 20.5% 23.1% 19.6% 21.8% +218 bps +261 bps +287 bps
CIR 28.1% 29.9% 33.4% 30.7% 29.9% 28.4% 30.3% +188 bps -86 bps +174 bps
ROA (LTM) 3.7% 3.8% 3.7% 3.6% 3.6% 3.7% 3.6% -13 bps -2 bps -13 bps
ROE (LTM) 21.7% 22.1% 21.7% 21.8% 21.8% 21.7% 21.8% +15 bps 0 bps +15 bps
NIM (LTM) 5.59% 5.63% 5.63% 5.64% 5.55% 5.59% 5.55% -4 bps -8 bps -4 bps
Cost of funds 2.2% 2.3% 2.1% 2.2% 2.3% 2.3% 2.2% -6 bps +12 bps +6 bps

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

3M22 Financial Highlights

Balance sheet (VND Bn) 1Q21 2Q21 3Q21 4Q21 1Q22 1Q22 vs. 4Q21 1Q22 vs. 1Q21
Total assets 462,823 504,304 541,635 568,729 615,270 8.2% 32.9%
Deposits from customers 287,446 289,335 316,376 314,753 328,914 4.5% 14.4%
Credit growth1 5.7% 11.2% 14.1% 22.1% 7.9%    
CASA 44.2% 46.1% 49.0% 50.5% 50.4%    
NPL 0.4% 0.4% 0.6% 0.7% 0.7%    
Credit costs (LTM) 0.8% 0.9% 0.7% 0.7% 0.6%    
Coverage ratio 219.4% 258.9% 184.4% 162.9% 160.8%    
Capital and liquidity 1Q21 2Q21 3Q21 4Q21 1Q22 1Q22 vs. 4Q21 1Q22 vs. 1Q21
Basel II CAR 15.8% 15.2% 15.2% 15.0% 15.1%    
Basel II Tier 1 ratio 15.4% 14.8% 14.7% 14.6% 14.7%    
Total Risk Weighted Assets 509,902 562,515 595,222 632,575 665,371    
ST fundings to MLT loans2 34.4% 39.1% 32.6% 28.8% 32.2%    
LDR2 79.2% 76.6% 76.7% 75.0% 71.9%    
Profitability (VND Bn) 1Q21 2Q21 3Q21 4Q21 1Q22 1Q22 vs. 4Q21 1Q22 vs. 1Q21
Net interest income 6,124 6,588 6,742 7,245 8,111 12.0% 32.5%
Non-interest income 2,808 2,618 2,037 2,914 2,001 -31.3% -28.8%
Total operating income 8,932 9,206 8,779 10,159 10,112 -0.5% 13.2%
Operating expenses (2,563) (2,591) (2,628) (3,392) (3,108) -8.4% 21.3%
Profit before tax 5,518 6,018 5,562 6,140 6,785 10.5% 23.0%
NFI/TOI3 19.0% 20.2% 20.8% 25.7% 20.5%    
CIR 28.7% 28.1% 29.9% 33.4% 30.7%    
ROA (LTM) 3.5% 3.7% 3.8% 3.7% 3.6%    
ROE (LTM) 20.1% 21.7% 22.1% 21.7% 21.8%    
NIM (LTM) 5.23% 5.59% 5.63% 5.63% 5.63%    
Cost of funds 2.4% 2.2% 2.3% 2.1% 2.2%  

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

4Q21 Financial Highlights

Balance sheet (VND Bn) 4Q20 1Q21 2Q21 3Q21 4Q21 FY20 FY21 FY21 vs. FY20 4Q21 vs. 3Q21 4Q21 vs. 4Q20
Total assets 439,603 462,823 504,304 541,635 568,811 439,603 568,811 29.4% 5.0% 29.4%
Deposits from customers 277,459 287,446 289,335 316,376 314,753 277,459 314,753 13.4% -0.5% 13.4%
Credit growth1 23.3% 5.7% 11.2% 14.1% 22.1% 23.3% 22.1%      
CASA 46.1% 44.2% 46.1% 49.0% 50.5% 46.1% 50.5%      
NPL 0.5% 0.4% 0.4% 0.6% 0.7% 0.5% 0.7%      
Credit costs (LTM) 0.9% 0.8% 0.9% 0.7% 0.7% 0.9% 0.7%      
Coverage ratio 171.0% 219.4% 258.9% 184.4% 162.9% 171.0% 162.9%      
Capital and liquidity 4Q20 1Q21 2Q21 3Q21 4Q21 FY20 FY21 FY21 vs. FY20 4Q21 vs. 3Q21 4Q21 vs. 4Q20
Basel II CAR 16.1% 15.8% 15.2% 15.2% 15.0% 16.1% 15.0%      
Basel II Tier 1 ratio 15.7% 15.4% 14.8% 14.7% 14.6% 15.7% 14.6%      
Total Risk Weighted Assets 472,551 509,902 562,515 595,222 632,770 473,371 632,770      
ST fundings to MLT loans2 33.9% 34.4% 39.1% 32.6% 28.8% 33.9% 28.8%      
LDR2 78.1% 79.2% 76.6% 76.7% 75.0% 78.1% 75.0%      
Profitability (VND Bn) 4Q20 1Q21 2Q21 3Q21 4Q21 FY20 FY21 FY21 vs. FY20 4Q21 vs. 3Q21 4Q21 vs. 4Q20
Net interest income 5,469 6,124 6,588 6,742 7,245 18,751 26,699 42.4% 7.4% 32.5%
Non-interest income 2,397 2,808 2,618 2,037 2,914 8,627 10,378 20.3% 43.1% 21.6%
Total operating income 7,866 8,932 9,206 8,779 10,159 27,379 37,076 35.4% 15.7% 29.1%
Operating expenses (2,411) (2,563) (2,591) (2,628) (3,392) (8,967) (11,173) 24.6% 29.1% 40.7%
Profit before tax 5,089 5,518 6,018 5,562 6,140 15,800 23,238 47.1% 10.4% 20.7%
NFI/TOI3 18.9% 19.0% 20.2% 20.8% 25.7% 20.9% 21.6%      
CIR 30.7% 28.7% 28.1% 29.9% 33.4% 32.8% 30.1%      
ROA (LTM) 3.1% 3.5% 3.7% 3.8% 3.7% 3.1% 3.7%      
ROE (LTM) 18.3% 20.1% 21.7% 22.1% 21.7% 18.3% 21.7%      
NIM (LTM) 4.93% 5.23% 5.59% 5.63% 5.63% 4.93% 5.63%      
Cost of funds 2.8% 2.4% 2.2% 2.3% 2.1% 3.4% 2.2%    

Notes: : 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

3Q21 Financial Highlights

Balance sheet (VND Bn) 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 9M21 vs. 9M20 3Q21 vs. 2Q21 3Q21 vs. 3Q20
Total assets 401,462 439,603 462,823 504,304 541,635 401,462 541,635 34.9% 7.4% 34.9%
Deposits from customers 252,572 277,459 287,446 289,335 316,376 252,572 316,376 25.3% 9.3% 25.3%
Credit growth1 8.3% 23.3% 5.7% 11.2% 14.1% 8.3% 14.1%      
CASA 38.6% 46.1% 44.2% 46.1% 49.0% 38.6% 49.0%      
NPL 0.6% 0.5% 0.4% 0.4% 0.6% 0.6% 0.6%      
Credit costs (LTM) 1.0% 0.9% 0.8% 0.9% 0.7% 1.0% 0.7%      
Coverage ratio 148.0% 171.0% 219.4% 258.9% 184.4% 148.0% 184.4%      
Capital and liquidity 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 9M21 vs. 9M20 3Q21 vs. 2Q21 3Q21 vs. 3Q20
Basel II CAR 16.7% 16.1% 15.8% 15.2% 15.2% 16.7% 15.2%      
Basel II Tier 1 ratio 16.3% 15.7% 15.4% 14.8% 14.7% 16.3% 14.7%      
Total Risk Weighted Assets 430,065 472,551 509,902 562,515 595,222 430,065 595,222      
ST fundings to MLT loans2 31.1% 33.9% 34.4% 39.1% 32.6% 31.1% 32.6%      
LDR2 71.9% 78.1% 79.2% 76.6% 76.7% 71.9% 76.7%      
Profitability (VND Bn) 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 9M21 vs. 9M20 3Q21 vs. 2Q21 3Q21 vs. 3Q20
Net interest income 5,135 5,469 6,124 6,588 6,742 13,282 19,454 46.5% 2.3% 31.3%
Non-interest income 2,452 2,397 2,808 2,618 2,037 6,230 7,463 19.8% -22.2% -16.9%
Total operating income 7,587 7,866 8,932 9,206 8,779 19,513 26,917 37.9% -4.6% 15.7%
Operating expenses (2,579) (2,411) (2,563) (2,591) (2,628) (6,556) (7,781) 18.7% 1.4% 1.9%
Profit before tax 3,974 5,089 5,518 6,018 5,562 10,711 17,098 17,098 59.6% -7.6%
NFI/TOI3 22.8% 18.9% 19.0% 20.2% 20.8% 21.6% 20.0%      
CIR 34.0% 30.7% 28.7% 28.1% 29.9% 33.6% 28.9%      
ROA (LTM) 3.0% 3.1% 3.5% 3.7% 3.8% 3.0% 3.8%      
ROE (LTM) 17.7% 18.3% 20.1% 21.7% 22.1% 17.7% 22.1%      
NIM (LTM) 4.76% 4.93% 5.23% 5.59% 5.63% 4.76% 5.63%      
Cost of funds 3.4% 2.8% 2.4% 2.2% 2.3% 3.6% 2.3%    

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries

2Q21 Financial Highlights

Balance sheet (VND Bn) 2Q20 3Q20 4Q20 1Q21 2Q21 6M20 6M21 6M21 vs. 6M20 2Q21 vs. 1Q21 2Q21 vs. 2Q20
Total assets 395,861 401,462 439,603 462,823 504,304 395,861 504,304 27.4% 9.0% 27.4%
Total Risk Weighted Assets (Basel II) 408,184 430,065 472,551 509,902 562,570 408,184 562,570 37.8% 10.3% 37.8%
Deposits from customers 249,857 252,572 277,459 287,446 289,335 249,857 289,335 15.8% 0.7% 15.8%
Credit growth1 2.7% 8.3% 23.3% 5.7% 11.2% 2.7% 11.2%      
CASA 34.4% 38.6% 46.1% 44.2% 46.1% 34.4% 46.1%      
NPL 0.9% 0.6% 0.5% 0.4% 0.4% 0.9% 0.4%      
Credit costs (LTM) 0.6% 1.0% 0.9% 0.8% 0.9% 0.6% 0.9%      
Coverage ratio 108.6% 148.0% 171.0% 219.4% 258.9% 108.6% 258.9%      
Capital and liquidity 2Q20 3Q20 4Q20 1Q21 2Q21 6M20 6M21 6M21 vs. 6M20 2Q21 vs. 1Q21 2Q21 vs. 2Q20
Basel II CAR 16.9% 16.7% 16.1% 15.8% 15.2% 16.9% 15.2%      
Basel II Tier 1 ratio 16.4% 16.3% 15.7% 15.4% 14.8% 16.4% 14.8%      
ST fundings to MLT loans2 25.5% 31.1% 33.9% 34.4% 39.1% 25.5% 39.1%      
LDR2 72.5% 71.9% 78.1% 79.2% 76.6% 72.5% 76.6%      
Profitability (VND Bn) 2Q20 3Q20 4Q20 1Q21 2Q21 6M20 6M21 6M21 vs. 6M20 2Q21 vs. 1Q21 2Q21 vs. 2Q20
Net interest income 3,938 5,109 5,494 6,124 6,585 8,148 12,708 56.0% 7.5% 67.2%
Non-interest income 1,878 2,477 2,372 2,808 2,621 3,778 5,430 43.7% -6.7% 39.6%
Total operating income 5,817 7,587 7,866 8,932 9,206 11,926 18,138 52.1% 3.1% 58.3%
Operating expenses -1,761 -2,579 -2,411 -2,563 -2,591 -3,977 -5,154 29.6% 1.1% 47.1%
Profit before tax 3,617 3,974 5,089 5,518 6,018 6,738 11,536 71.2% 9.1% 66.4%
NFI/TOI 20.2% 16.3% 14.9% 14.8% 15.8% 17.7% 15.3%      
CIR 30.3% 34.0% 30.7% 28.7% 28.1% 33.3% 28.4%      
ROA (LTM) 2.9% 3.0% 3.1% 3.5% 3.7% 2.9% 3.7%      
ROE (LTM) 17.6% 17.7% 18.3% 20.1% 21.7% 17.6% 21.7%      
NIM (LTM) 4.45% 4.76% 4.93% 5.23% 5.60% 4.45% 5.60%      
Cost of funds 3.7% 3.4% 2.8% 2.4% 2.2% 3.7% 2.3%    

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number

1Q21 Financial Highlights

Balance sheet (VND Bn) 1Q20 2Q20 3Q20 4Q20 1Q21 3M20 3M21 3M21 vs. 3M20 1Q21 vs. 4Q20 1Q21 vs. 1Q20
Total assets 391,808 395,861 401,462 439,603 462,823 391,808 462,823 18.1% 5.3% 18.1%
Total Risk Weighted Assets (Basel II) 394,639 408,184 430,065 472,551 509,902 394,639 509,902 29.2% 7.9% 29.2%
Deposits from customers 235,099 249,857 252,572 277,459 287,446 235,099 287,446 22.3% 3.6% 22.3%
Credit growth1 2.9% 2.7% 8.3% 23.3% 5.7% 2.9% 5.7%      
CASA 32.2% 34.4% 38.6% 46.1% 44.2% 32.2% 44.2%      
NPL 1.1% 0.9% 0.6% 0.5% 0.4% 1.1% 0.4%      
Credit costs (LTM) 0.5% 0.6% 1.0% 0.9% 0.8% 0.5% 0.8%      
Coverage ratio 117.9% 108.6% 148.0% 171.0% 219.4% 117.9% 219.4%      
Capital and liquidity 1Q20 2Q20 3Q20 4Q20 1Q21 3M20 3M21 3M21 vs. 3M20 1Q21 vs. 4Q20 1Q21 vs. 1Q20
Basel II CAR 16.6% 16.9% 16.7% 16.1% 15.8% 16.6% 15.8%      
Basel II Tier 1 ratio 16.3% 16.4% 16.3% 15.7% 15.4% 16.3% 15.4%      
ST fundings to MLT loans2 30.7% 25.5% 31.1% 33.9% 34.4% 30.7% 34.4%      
LDR2 76.8% 72.5% 71.9% 78.1% 79.2% 76.8% 79.2%      
Profitability (VND Bn) 1Q20 2Q20 3Q20 4Q20 1Q21 3M20 3M21 3M21 vs. 3M20 1Q21 vs. 4Q20 1Q21 vs. 1Q20
Net interest income 4,209 3,938 5,109 5,494 6,124 4,209 6,124 45.5% 11.5% 45.5%
Non-interest income 1,899 1,878 2,477 2,372 2,808 1,899 2,808 47.9% 18.4% 47.9%
Total operating income 6,109 5,817 7,587 7,866 8,932 6,109 8,932 46.2% 13.6% 46.2%
Operating expenses (2,216) (1,761) (2,579) (2,411) (2,563) (2,216) (2,563) 15.7% 6.3% 15.7%
Profit before tax 3,121 3,617 3,974 5,089 5,518 3,121 5,518 76.8% 8.4% 76.8%
NFI/TOI 15.4% 20.2% 16.3% 14.9% 14.8% 15.4% 14.8%      
CIR 36.3% 30.3% 34.0% 30.7% 28.7% 36.3% 28.7%      
ROA (LTM) 3.0% 2.9% 3.0% 3.1% 3.5% 3.0% 3.5%      
ROE (LTM) 17.7% 17.6% 17.7% 18.3% 20.1% 17.7% 20.1%      
NIM (LTM) 4.70% 4.45% 4.76% 4.93% 5.23% 4.70% 5.23%      
Cost of funds 3.7% 3.7% 3.4% 2.8% 2.4% 3.7% 2.4%    

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number

4Q20 Financial Highlights

Balance sheet (VND Bn) 4Q19 1Q20 2Q20 3Q20 4Q20 FY19 FY20 FY20 vs. FY19 4Q20 vs. 3Q20 4Q20 vs. 4Q19
Total assets 383,699 391,808 395,861 401,462 439,603 383,699 439,603 14.6% 9.5% 14.6%
Total Risk Weighted Assets (Basel II) 407,330 394,639 408,184 430,065 472,551 407,330 472,551 16.0% 9.9% 16.0%
Deposits from customers 231,297 235,099 249,857 252,572 277,459 231,297 277,459 20.0% 9.9% 20.0%
Credit growth1 18.8% 2.9% 2.7% 8.3% 23.3% 18.8% 23.3%      
CASA 34.5% 32.2% 34.4% 38.6% 46.1% 34.5% 46.1%      
NPL 1.3% 1.1% 0.9% 0.6% 0.5% 1.3% 0.5%      
Credit costs (LTM) 0.5% 0.5% 0.6% 1.0% 0.9% 0.5% 0.9%      
Coverage ratio 94.8% 117.9% 108.6% 148.0% 171.0% 94.8% 171.0%      
Capital and liquidity 4Q19 1Q20 2Q20 3Q20 4Q20 FY19 FY20 FY20 vs. FY19 4Q20 vs. 3Q20 4Q20 vs. 4Q19
Basel II CAR 15.5% 16.6% 16.9% 16.7% 16.1% 15.5% 16.1%      
Basel II Tier 1 ratio 15.2% 16.3% 16.4% 16.3% 15.7% 15.2% 15.7%      
ST fundings to MLT loans2 38.4% 30.7% 25.5% 31.1% 33.9% 38.4% 33.9%      
LDR2 76.3% 76.8% 72.5% 71.9% 78.1% 76.3% 78.1%      
Profitability (VND Bn) 4Q19 1Q20 2Q20 3Q20 4Q20 FY19 FY20 FY20 vs. FY19 4Q20 vs. 3Q20 4Q20 vs. 4Q19
Net interest income 3,904 4,209 3,938 5,109 5,494 14,258 18,751 31.5% 7.5% 40.7%
Non-interest income 2,799 1,899 1,878 2,477 2,372 7,072 8,627 22.0% -4.3% -15.3%
Total operating income 6,703 6,109 5,817 7,587 7,866 21,330 27,379 28.4% 3.7% 17.3%
Operating expenses (2,413) (2,216) (1,761) (2,579) (2,411) (7,574) (8,967) 18.4% -6.5% -0.1%
Profit before tax 3,978 3,121 3,617 3,974 5,089 12,838 15,800 23.1% 28.1% 27.9%
NFI/TOI 21.5% 15.4% 20.2% 16.3% 14.9% 16.5% 16.5%      
CIR 36.0% 36.3% 30.3% 34.0% 30.7% 35.5% 32.8%      
ROA (LTM) 2.9% 3.0% 2.9% 3.0% 3.1% 2.9% 3.1%      
ROE (LTM) 17.8% 17.7% 17.6% 17.7% 18.3% 17.8% 18.3%      
NIM (LTM) 4.21% 4.70% 4.45% 4.76% 4.93% 4.21% 4.93%      
Cost of funds 3.8% 3.7% 3.7% 3.4% 2.8% 4.0% 3.4%      

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number

3Q20 Financial Highlights

Balance sheet (VND Bn) 3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20 9M20 vs. 9M19 3Q20 vs. 2Q20 3Q20 vs. 3Q19
Total assets 367,538 383,699 391,808 395,861 401,462 367,538 401,462 9.2% 1.4% 9.2%
Total Risk Weighted Assets (Basel II) 370,011 407,330 394,639 408,184 430,065 370,011 430,065 16.2% 5.4% 16.2%
Deposits from customers 218,655 231,297 235,099 249,857 252,572 218,655 252,572 15.5% 1.1% 15.5%
Credit growth1 12.5% 18.8% 2.9% 2.7% 8.3% 12.5% 8.3%      
CASA 30.0% 34.5% 32.2% 34.4% 38.6% 30.0% 38.6%      
NPL 1.8% 1.3% 1.1% 0.9% 0.6% 1.8% 0.6%      
Credit costs (LTM) 0.4% 0.5% 0.5% 0.6% 1.0% 0.4% 1.0%      
Coverage ratio 77.1% 94.8% 117.9% 108.6% 148.0% 77.1% 148.0%      
Capital and liquidity 3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20 9M20 vs. 9M19 3Q20 vs. 2Q20 3Q20 vs. 3Q19
Basel II CAR 16.5% 15.5% 16.6% 16.9% 16.7% 16.5% 16.7%      
Basel II Tier 1 ratio 15.9% 15.2% 16.3% 16.4% 16.3% 15.9% 16.3%      
ST fundings to MLT loans2 36.1% 38.4% 30.7% 25.5% 31.1% 36.1% 31.1%      
LDR2 70.9% 76.3% 76.8% 72.5% 71.9% 70.9% 71.9%      
Profitability (VND Bn) 3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20 9M20 vs. 9M19 3Q20 vs. 2Q20 3Q20 vs. 3Q19
Net interest income 3,725 3,904 4,209 3,938 5,109 10,354 13,257 28.0% 29.7% 37.2%
Non-interest income 1,709 2,799 1,899 1,878 2,477 4,273 6,255 46.4% 31.9% 45.0%
Total operating income 5,434 6,703 6,109 5,817 7,587 14,627 19,513 33.4% 30.4% 39.6%
Operating expenses (1,870) (2,413) (2,216) (1,761) (2,579) (5,161) (6,556) 27.0% 46.5% 38.0%
Profit before tax 3,199 3,978 3,121 3,617 3,974 8,860 10,711 20.9% 9.9% 24.2%
NFI/TOI 13.1% 21.5% 15.4% 20.2% 16.3% 14.2% 17.2%      
CIR 34.4% 36.0% 36.3% 30.3% 34.0% 35.3% 33.6%      
ROA (LTM) 2.7% 2.9% 3.0% 2.9% 3.0% 2.7% 3.0%      
ROE (LTM) 17.1% 17.8% 17.7% 17.6% 17.7% 17.1% 17.7%      
NIM (LTM) 4.16% 4.21% 4.70% 4.45% 4.76% 4.16% 4.76%      
Cost of funds 3.8% 3.8% 3.7% 3.7% 3.4% 4.1% 3.6%      

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number

2Q20 Financial Highlights

Balance sheet (VND Bn) 2Q19 3Q19 4Q19 1Q20 2Q20 6M19 6M20 6M20 vs. 6M19 2Q20 vs. 1Q20 2Q20 vs. 2Q19
Total assets 360,662 367,538 383,699 391,808 395,861 360,662 395,861 9.8% 1.0% 9.8%
Total Risk Weighted Assets (Basel II) 371,881 370,011 407,330 394,639 408,184 371,881 408,184 9.8% 3.4% 9.8%
Deposits from customers 220,263 218,655 231,297 235,099 249,857 220,263 249,857 13.4% 6.3% 13.4%
Credit growth1 11.9% 12.5% 18.8% 2.9% 2.7% 11.9% 2.7%      
CASA 30.4% 30.0% 34.5% 32.2% 34.4% 30.4% 34.4%      
NPL 1.8% 1.8% 1.3% 1.1% 0.9% 1.8% 0.9%      
Credit costs (LTM) 0.6% 0.4% 0.5% 0.5% 0.6% 0.6% 0.6%      
Coverage ratio 77.1% 77.1% 94.8% 117.9% 108.6% 77.1% 108.6%      
Capital and liquidity 2Q19 3Q19 4Q19 1Q20 2Q20 6M19 6M20 6M20 vs. 6M19 2Q20 vs. 1Q20 2Q20 vs. 2Q19
Basel II CAR 15.6% 16.5% 15.5% 16.6% 16.9% 15.6% 16.9%      
Basel II Tier 1 ratio 15.2% 15.9% 15.2% 16.3% 16.4% 15.2% 16.4%      
ST fundings to MLT loans2 37.6% 36.1% 38.4% 30.7% 25.5% 37.6% 25.5%      
LDR2 65.9% 70.9% 76.3% 76.8% 72.5% 65.9% 72.5%      
Profitability (VND Bn) 2Q19 3Q19 4Q19 1Q20 2Q20 6M19 6M20 6M20 vs. 6M19 2Q20 vs. 1Q20 2Q20 vs. 2Q19
Net interest income 3,199 3,725 3,904 4,209 3,938 6,629 8,148 22.9% -6.4% 23.1%
Non-interest income 1,549 1,709 2,799 1,899 1,878 2,564 3,778 47.3% -1.1% 21.2%
Total operating income 4,748 5,434 6,703 6,109 5,817 9,193 11,926 29.7% -4.8% 22.5%
Operating expenses (1,631) (1,870) (2,413) (2,216) (1,761) (3,292) (3,977) 20.8% -20.5% 7.9%
Profit before tax 3,045 3,199 3,978 3,121 3,617 5,662 6,738 19.0% 15.9% 18.8%
NFI/TOI 17.2% 13.1% 21.5% 15.4% 20.2% 14.8% 17.7%      
CIR 34.4% 34.4% 36.0% 36.3% 30.3% 35.8% 33.3%      
ROA (LTM) 2.7% 2.7% 2.9% 3.0% 2.9% 2.7% 2.9%      
ROE (LTM) 17.0% 17.1% 17.8% 17.7% 17.6% 17.0% 17.6%      
NIM (LTM) 4.13% 4.16% 4.21% 4.70% 4.45% 4.13% 4.45%      
Cost of funds 4.1% 3.8% 3.8% 3.7% 3.7% 4.2% 3.7%      

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number

1Q20 Financial Highlights

Balance sheet (VND Bn) 1Q19 2Q19 3Q19 4Q19 1Q20 3M19 3M20 3M20 vs. 3M19 1Q20 vs. 4Q19 1Q20 vs. 1Q19
Total assets 326,112 360,662 367,538 383,699 391,808 326,112 391,808 20.1% 2.1% 20.1%
Total Risk Weighted Assets (Basel II) 357,387 371,881 370,011 407,330 394,639 357,387 394,639 10.4% -3.1% 10.4%
Deposits from customers 207,978 220,263 218,655 231,297 235,099 207,978 235,099 13.0% 1.6% 13.0%
Credit growth1 -0.2% 11.9% 12.5% 18.8% 2.9% -0.2% 2.9%      
CASA 28.2% 30.4% 30.0% 34.5% 32.2% 28.2% 32.2%      
NPL 1.8% 1.8% 1.8% 1.3% 1.1% 1.8% 1.1%      
Credit costs (LTM) 0.7% 0.6% 0.4% 0.5% 0.5% 0.7% 0.5%      
Coverage ratio 87.7% 77.1% 77.1% 94.8% 117.9% 87.7% 117.9%      
Capital and liquidity 1Q19 2Q19 3Q19 4Q19 1Q20 3M19 3M20 3M20 vs. 3M19 1Q20 vs. 4Q19 1Q20 vs. 1Q19
Basel II CAR 15.5% 15.6% 16.5% 15.5% 16.6% 15.5% 16.6%      
Basel II Tier 1 ratio 15.1% 15.2% 15.9% 15.2% 16.3% 15.1% 16.3%      
ST fundings to MLT loans2 30.5% 37.6% 36.1% 38.4% 30.7% 30.5% 30.7%      
LDR2 65.5% 65.9% 70.9% 76.3% 76.8% 65.5% 76.8%      
Profitability (VND Bn) 1Q19 2Q19 3Q19 4Q19 1Q20 3M19 3M20 3M20 vs. 3M19 1Q20 vs. 4Q19 1Q20 vs. 1Q19
Net interest income 3,430 3,199 3,725 3,904 4,209 3,430 4,209 22.7% 7.8% 22.7%
Non-interest income 1,014 1,549 1,709 2,799 1,899 1,014 1,899 87.3% -32.1% 87.3%
Total operating income 4,445 4,748 5,434 6,703 6,109 4,445 6,109 37.4% -8.9% 37.4%
Operating expenses (1,660) (1,631) (1,870) (2,413) (2,216) (1,660) (2,216) 33.5% -8.2% 33.5%
Profit before tax 2,617 3,045 3,199 3,978 3,121 2,617 3,121 19.2% -21.6% 19.2%
NFI/TOI 12.3% 17.2% 13.1% 21.5% 15.4% 12.3% 15.4%      
CIR 37.4% 34.4% 34.4% 36.0% 36.3% 37.4% 36.3%      
ROA (LTM) 2.8% 2.7% 2.7% 2.9% 3.0% 2.8% 3.0%      
ROE (LTM) 18.6% 17.0% 17.1% 17.8% 17.7% 18.6% 17.7%      
NIM (LTM) 4.49% 4.13% 4.16% 4.21% 4.70% 4.49% 4.70%      
Cost of funds 4.3% 4.1% 3.8% 3.8% 3.7% 4.3% 3.7%      

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number

4Q19 Financial Highlights

Balance sheet (VND Bn) 4Q18 1Q19 2Q19 3Q19 4Q19 FY18 FY19 FY19 vs. FY18 4Q19 vs. 3Q19 4Q19 vs. 4Q18
Total assets 320,989 326,112 360,662 367,538 383,699 320,989 383,699 19.5% 4.4% 19.5%
Total Risk Weighted Assets (Basel II) 366,483 357,387 371,881 370,011 407,330 366,483 407,330 11.1% 10.1% 11.1%
Deposits from customers 201,415 207,978 220,263 218,655 231,297 201,415 231,297 14.8% 5.8% 14.8%
Credit growth1 20.0% -0.2% 11.9% 12.5% 18.8% 20.0% 18.8%      
CASA 28.7% 28.2% 30.4% 30.0% 34.5% 28.7% 34.5%      
NPL 1.8% 1.8% 1.8% 1.8% 1.3% 1.8% 1.3%      
Credit costs (LTM) 1.1% 0.7% 0.6% 0.4% 0.5% 1.1% 0.5%      
Coverage ratio 85.1% 87.7% 77.1% 77.1% 94.8% 85.1% 94.8%      
Capital and liquidity 4Q18 1Q19 2Q19 3Q19 4Q19 FY18 FY19 FY19 vs. FY18 4Q19 vs. 3Q19 4Q19 vs. 4Q18
Basel II CAR 14.6% 15.5% 15.6% 16.5% 15.5% 14.6% 15.5%      
Basel II Tier 1 ratio 14.2% 15.1% 15.2% 15.9% 15.2% 14.2% 15.2%      
ST fundings to MLT loans2 31.5% 30.5% 37.6% 36.1% 38.4% 31.5% 38.4%      
LDR2 65.5% 65.5% 65.9% 70.9% 76.3% 65.5% 76.3%      
Profitability (VND Bn) 4Q18 1Q19 2Q19 3Q19 4Q19 FY18 FY19 FY19 vs. FY18 4Q19 vs. 3Q19 4Q19 vs. 4Q18
Net interest income 3,020 3,430 3,199 3,725 3,904 11,390 14,258 25.2% 4.8% 29.3%
Non-interest income 2,035 1,014 1,549 1,709 2,799 6,960 7,072 1.6% 63.8% 37.6%
Total operating income 5,055 4,445 4,748 5,434 6,703 18,350 21,330 16.2% 23.4% 32.6%
Operating expenses (2,109) (1,660) (1,631) (1,870) (2,413) (5,843) (7,574) 29.6% 29.1% 14.4%
Profit before tax 2,887 2,617 3,045 3,199 3,978 10,661 12,838 20.4% 24.4% 37.8%
NFI/TOI 26.9% 12.3% 17.2% 13.1% 21.5% 17.8% 16.5%      
CIR 41.7% 37.4% 34.4% 34.4% 36.0% 31.8% 35.5%      
ROA (LTM) 2.9% 2.8% 2.7% 2.7% 2.9% 2.9% 2.9%      
ROE (LTM) 21.5% 18.6% 17.0% 17.1% 17.8% 21.5% 17.8%      
NIM (LTM) 3.74% 4.49% 4.13% 4.16% 4.21% 3.74% 4.21%      
Cost of funds 4.2% 4.3% 4.1% 3.8% 3.8% 4.2% 4.0%        

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number

3Q19 Financial Highlights

Balance sheet (VND Bn) 3Q18 4Q18 1Q19 2Q19 3Q19 9M18 9M19 9M19 vs. 9M18 3Q19 vs. 2Q19 3Q19 vs. 3Q18
Total assets 311,796 320,989 326,112 360,662 367,538 311,796 367,538 17.9% 1.9% 17.9%
Total Risk Weighted Assets (Basel II) 401,793 366,483 357,387 371,881 370,011 401,793 370,011 -7.9% -0.5% -7.9%
Deposits from customers 193,583 201,415 207,978 220,263 218,655 193,583 218,655 13.0% -0.7% 13.0%
Credit growth1 12.0% 20.0% -0.2% 11.9% 12.5% 12.2% 12.5%      
CASA 24.7% 28.7% 28.2% 30.4% 30.0% 24.7% 30.0%      
NPL 2.1% 1.8% 1.8% 1.8% 1.8% 2.1% 1.8%      
Credit costs (LTM) 0.0% 1.1% 0.7% 0.6% 0.4% 1.8% 0.4%      
Coverage ratio 77.5% 85.1% 87.7% 77.1% 77.1% 77.5% 77.1%      
Capital and liquidity 3Q18 4Q18 1Q19 2Q19 3Q19 9M18 9M19 9M19 vs. 9M18 3Q19 vs. 2Q19 3Q19 vs. 3Q18
Basel II CAR 12.4% 14.6% 15.5% 15.6% 16.5% 12.4% 16.5%      
Basel II Tier 1 ratio 12.3% 14.2% 15.1% 15.2% 15.9% 12.3% 15.9%      
ST fundings to MLT loans2 34.2% 31.5% 30.5% 37.6% 36.1% 34.2% 36.1%      
LDR2 69.2% 65.5% 65.5% 65.9% 70.9% 69.2% 70.9%      
Profitability (VND Bn) 3Q18 4Q18 1Q19 2Q19 3Q19 9M18 9M19 9M19 vs. 9M18 3Q19 vs. 2Q19 3Q19 vs. 3Q18
Net interest income 3,117 3,020 3,430 3,199 3,725 8,370 10,354 23.7% 16.5% 19.5%
Non-interest income 1,518 2,035 1,014 1,549 1,709 4,925 4,273 -13.2% 10.3% 12.6%
Total operating income 4,635 5,055 4,445 4,748 5,434 13,294 14,627 10.0% 14.4% 17.2%
Operating expenses (1,315) (2,109) (1,660) (1,631) (1,870) (3,734) (5,161) 38.2% 14.6% 42.2%
Profit before tax 2,578 2,887 2,617 3,045 3,199 7,774 8,860 14.0% 5.1% 24.1%
NFI/TOI 20.1% 26.9% 12.3% 17.2% 13.1% 14.4% 14.2%      
CIR 28.4% 41.7% 37.4% 34.4% 34.4% 28.1% 35.3%      
ROA (LTM) 3.2% 2.9% 2.8% 2.7% 2.7% 3.2% 2.7%      
ROE (LTM) 25.4% 21.5% 18.6% 17.0% 17.1% 25.4% 17.1%      
NIM (LTM) 3.66% 3.74% 4.49% 4.13% 4.16% 3.66% 4.16%      
Cost of funds   4.2% 4.3% 4.1% 3.8%   4.1%      

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number

2Q19 Financial Highlights

Balance sheet (VND Bn) 2Q18 3Q18 4Q18 1Q19 2Q19 6M18 6M19 6M19 vs. 6M18 2Q19 vs. 1Q19 2Q19 vs. 2Q18
Total assets 300,404 311,796 320,989 326,112 360,662 300,404 360,662 20.1% 10.6% 20.1%
Total Risk Weighted Assets (Basel II) 332,778 401,793 366,483 357,387 371,881 332,778 371,881 11.8% 4.1% 11.8%
Deposits from customers 186,283 193,583 201,415 207,978 220,263 186,283 220,263 18.2% 5.9% 18.2%
Credit growth1 2.2% 12.0% 20.0% -0.2% 11.9% 2.4% 11.9%      
CASA 24.6% 24.7% 28.7% 28.2% 30.4% 24.6% 30.4%      
NPL 2.0% 2.1% 1.8% 1.8% 1.8% 2.0% 1.8%      
Credit costs (LTM) 0.0% 0.0% 1.1% 0.7% 0.6% 1.5% 0.6%      
Coverage ratio 74.2% 77.5% 85.1% 87.7% 77.1% 74.2% 77.1%      
Capital and liquidity 2Q18 3Q18 4Q18 1Q19 2Q19 6M18 6M19 6M19 vs. 6M18 2Q19 vs. 1Q19 2Q19 vs. 2Q18
Basel II CAR 14.6% 12.4% 14.6% 15.5% 15.6% 14.6% 15.6%      
Basel II Tier 1 ratio 14.3% 12.3% 14.2% 15.1% 15.2% 14.3% 15.2%      
ST fundings to MLT loans2 22.0% 34.2% 31.5% 30.5% 37.6% 22.0% 37.6%      
LDR2 70.3% 69.2% 65.5% 65.5% 65.9% 70.3% 65.9%      
Profitability (VND Bn) 2Q18 3Q18 4Q18 1Q19 2Q19 6M18 6M19 6M19 vs. 6M18 2Q19 vs. 1Q19 2Q19 vs. 2Q18
Net interest income 2,504 3,117 3,020 3,430 3,199 5,051 6,629 31.2% -6.8% 27.7%
Non-interest income 1,496 1,518 2,035 1,014 1,549 3,609 2,564 -29.0% 52.8% 3.6%
Total operating income 3,999 4,635 5,055 4,445 4,748 8,659 9,193 6.2% 6.8% 18.7%
Operating expenses (1,152) (1,315) (2,109) (1,660) (1,631) (2,419) (3,292) 36.1% -1.8% 41.6%
Profit before tax 2,628 2,578 2,887 2,617 3,045 5,196 5,662 9.0% 16.3% 15.9%
NFI/TOI 17.2% 20.1% 26.9% 12.3% 17.2% 13.6% 14.8%      
CIR 28.8% 28.4% 41.7% 37.4% 34.4% 27.9% 35.8%      
ROA (LTM) 3.2% 3.2% 2.9% 2.8% 2.7% 3.2% 2.7%      
ROE (LTM) 24.3% 25.4% 21.5% 18.6% 17.0% 24.3% 17.0%      
NIM (LTM) 3.69% 3.66% 3.74% 4.49% 4.13% 3.69% 4.13%      
Cost of funds     4.2% 4.3% 4.1%   4.2%      

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number

1Q19 Financial Highlights

Balance sheet (VND Bn) 1Q18 2Q18 3Q18 4Q18 1Q19 3M18 3M19 3M19 vs. 3M18 1Q19 vs. 4Q18 1Q19 vs. 1Q18
Total assets 273,153 300,404 311,796 320,989 326,112 273,153 326,112 19.4% 1.6% 19.4%
Total Risk Weighted Assets (Basel II) 326,283 332,778 401,793 366,483 357,387 326,283 357,387 9.5% -2.5% 9.5%
Deposits from customers 181,391 186,283 193,583 201,415 207,978 181,391 207,978 14.7% 3.3% 14.7%
Credit growth1 0.5% 2.2% 12.0% 20.0% -0.2% 1.9% -0.2%      
CASA 23.2% 24.6% 24.7% 28.7% 28.2% 23.2% 28.2%      
NPL 1.9% 2.0% 2.1% 1.8% 1.8% 1.9% 1.8%      
Credit costs (LTM) 0.0% 0.0% 0.0% 1.1% 0.7% 2.1% 0.7%      
Coverage ratio 76.2% 74.2% 77.5% 85.1% 87.7% 76.2% 87.7%      
Capital and liquidity 1Q18 2Q18 3Q18 4Q18 1Q19 3M18 3M19 3M19 vs. 3M18 1Q19 vs. 4Q18 1Q19 vs. 1Q18
Basel II CAR 12.7% 14.6% 12.4% 14.6% 15.5% 12.7% 15.5%      
Basel II Tier 1 ratio 11.5% 14.3% 12.3% 14.2% 15.1% 11.5% 15.1%      
ST fundings to MLT loans2 23.4% 22.0% 34.2% 31.5% 30.5% 23.4% 30.5%      
LDR2 74.7% 70.3% 69.2% 65.5% 65.5% 74.7% 65.5%      
Profitability (VND Bn) 1Q18 2Q18 3Q18 4Q18 1Q19 3M18 3M19 3M19 vs. 3M18 1Q19 vs. 4Q18 1Q19 vs. 1Q18
Net interest income 2,547 2,504 3,117 3,020 3,430 2,547 3,430 34.7% 13.6% 34.7%
Non-interest income 2,113 1,496 1,518 2,035 1,014 2,113 1,014 -52.0% -50.2% -52.0%
Total operating income 4,660 3,999 4,635 5,055 4,445 4,660 4,445 -4.6% -12.1% -4.6%
Operating expenses (1,267) (1,152) (1,315) (2,109) (1,660) (1,267) (1,660) 31.0% -21.3% 31.0%
Profit before tax 2,569 2,628 2,578 2,887 2,617 2,569 2,617 1.9% -9.3% 1.9%
NFI/TOI 10.6% 17.2% 20.1% 26.9% 12.3% 10.6% 12.3%      
CIR 27.2% 28.8% 28.4% 41.7% 37.4% 27.2% 37.4%      
ROA (LTM) 2.9% 3.2% 3.2% 2.9% 2.8% 2.9% 2.8%      
ROE (LTM) 25.5% 24.3% 25.4% 21.5% 18.6% 25.5% 18.6%      
NIM (LTM) 3.87% 3.69% 3.66% 3.74% 4.49% 3.87% 4.49%      
Cost of funds       4.2% 4.3%   4.3%      

Notes: 1. Credit growth under SBV regulations; 2. Bank-only number