Year
Quarter
| Balance sheet (VND Bn) | 4Q24 | 1Q25 | 2Q25 | 3Q25 | 4Q25 | FY24 | FY25 | FY25 vs FY24 | 4Q25 vs 3Q25 | 4Q25 vs 4Q24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 978,799 | 989,216 | 1,037,645 | 1,129,570 | 1,192,344 | 978,799 | 1,192,344 | 21.8% | 5.6% | 21.8% |
| Deposits from customers | 564,536 | 569,855 | 589,078 | 638,453 | 665,550 | 564,536 | 665,550 | 17.9% | 4.2% | 17.9% |
| Credit growth1 | 20.8% | 3.8% | 10.6% | 16.8% | 18.4% | 20.8% | 18.4% | -249 bps | +160 bps | -249 bps |
| CASA | 40.8% | 39.4% | 41.1% | 42.5% | 40.4% | 40.8% | 40.4% | -44 bps | -217 bps | -44 bps |
| NPL | 1.17% | 1.23% | 1.32% | 1.23% | 1.13% | 1.2% | 1.1% | -4 bps | -10 bps | -4 bps |
| Credit costs (LTM) | 0.8% | 0.7% | 0.6% | 0.6% | 0.6% | 0.8% | 0.6% | -17 bps | +5 bps | -17 bps |
| Coverage ratio | 113.8% | 111.4% | 106.4% | 119.1% | 127.9% | 113.8% | 127.9% | +1,407 bps | +879 bps | +1,407 bps |
| Capital and liquidity | 4Q24 | 1Q25 | 2Q25 | 3Q25 | 4Q25 | FY24 | FY25 | FY25 vs FY24 | 4Q25 vs 3Q25 | 4Q25 vs 4Q24 |
| Basel II CAR | 15.4% | 15.3% | 15.0% | 15.8% | 14.6% | 15.4% | 14.6% | -78 bps | -120 bps | -78 bps |
| Basel II Tier 1 ratio | 14.7% | 14.7% | 14.3% | 14.2% | 13.2% | 14.7% | 13.2% | -156 bps | -107 bps | -156 bps |
| Total Risk Weighted Assets | 986,690 | 1,028,886 | 1,105,897 | 1,151,510 | 1,244,229 | 986,690 | 1,244,229 | 26.1% | 8.1% | 26.1% |
| ST fundings to MLT loans2 | 26.5% | 27.1% | 26.4% | 24.1% | 24.6% | 26.5% | 24.6% | -190 bps | +50 bps | -190 bps |
| LDR2 | 77.1% | 80.1% | 82.4% | 81.2% | 76.5% | 77.1% | 76.5% | -60 bps | -470 bps | -60 bps |
| Profitability (VND Bn) | 4Q24 | 1Q25 | 2Q25 | 3Q25 | 4Q25 | FY24 | FY25 | FY25 vs FY24 | 4Q25 vs 3Q25 | 4Q25 vs 4Q24 |
| Net interest income | 8,602 | 8,305 | 9,137 | 9,925 | 10,788 | 35,508 | 38,155 | 7.5% | 8.7% | 25.4% |
| Non-interest income | 953 | 3,306 | 3,606 | 4,317 | 4,007 | 11,482 | 15,236 | 32.7% | -7.2% | 320.5% |
| Total operating income | 9,555 | 11,611 | 12,743 | 14,242 | 14,795 | 46,990 | 53,391 | 13.6% | 3.9% | 54.8% |
| Operating expenses | (4,741) | (3,285) | (3,831) | (4,493) | (4,824) | (15,370) | (16,432) | 6.9% | 7.4% | 1.8% |
| Profit before tax | 4,696 | 7,236 | 7,899 | 8,250 | 9,153 | 27,538 | 32,538 | 18.2% | 10.9% | 94.9% |
| NFI/TOI3 | 24.0% | 21.4% | 23.9% | 20.4% | 20.4% | 22.6% | 21.5% | -116 bps | -1 bps | -361 bps |
| CIR | 49.6% | 28.3% | 30.1% | 31.5% | 32.6% | 32.7% | 30.8% | -193 bps | +106 bps | -1,701 bps |
| ROA (LTM) | 2.4% | 2.3% | 2.2% | 2.2% | 2.4% | 2.4% | 2.4% | +5 bps | +23 bps | +5 bps |
| ROE (LTM) | 15.5% | 14.9% | 14.5% | 14.4% | 16.0% | 15.5% | 16.0% | +50 bps | +160 bps | +50 bps |
| NIM (LTM)4 | 4.4% | 4.1% | 3.9% | 3.8% | 3.8% | 4.4% | 3.8% | -54 bps | 0 bps | -54 bps |
| NIM (LTM) EOP5 | 4.2% | 4.0% | 3.7% | 3.6% | 3.7% | 4.2% | 3.7% | -50 bps | +2 bps | -50 bps |
| Cost of funds | 3.4% | 3.4% | 3.5% | 3.4% | 3.6% | 3.3% | 3.5% | +13 bps | +18 bps | +14 bps |
Notes: 1. YTD credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales; 3. NIM LTM based on daily IEA balances in the reporting period; 4. NIM LTM EOP based on quarter-end interest earning assets balance in the last 5 quarters
| Balance sheet (VND Bn) | 3Q24 | 4Q24 | 1Q25 | 2Q25 | 3Q25 | 9T24 | 9T25 | 9T25 vs 9T24 | 3Q25 vs 2Q25 | 3Q25 vs 3Q24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 927,053 | 978,799 | 989,216 | 1,037,645 | 1,129,570 | 927,053 | 1,129,570 | 21.8% | 8.9% | 21.8% |
| Deposits from customers | 514,467 | 564,536 | 569,855 | 589,078 | 638,453 | 514,467 | 638,453 | 24.1% | 8.4% | 24.1% |
| Credit growth1 | 17.4% | 20.8% | 3.8% | 10.6% | 16.8% | 17.4% | 16.8% | -59 bps | +612 bps | -59 bps |
| CASA | 38.9% | 40.8% | 39.4% | 41.1% | 42.5% | 38.9% | 42.5% | +360 bps | +140 bps | +360 bps |
| NPL | 1.35% | 1.17% | 1.23% | 1.32% | 1.23% | 1.35% | 1.23% | -12 bps | -9 bps | -12 bps |
| Credit costs (LTM) | 1.0% | 0.8% | 0.7% | 0.6% | 0.6% | 1.0% | 0.6% | -48 bps | +1 bps | -48 bps |
| Coverage ratio | 103.4% | 113.8% | 111.4% | 106.4% | 119.1% | 103.4% | 119.1% | +1,571 bps | +1,275 bps | +1,571 bps |
| Capital and liquidity | 3Q24 | 4Q24 | 1Q25 | 2Q25 | 3Q25 | 9T24 | 9T25 | 9T25 vs 9T24 | 3Q25 vs 2Q25 | 3Q25 vs 3Q24 |
| Basel II CAR | 15.1% | 15.4% | 15.3% | 15.0% | 15.8% | 15.1% | 15.8% | +74 bps | +83 bps | +74 bps |
| Basel II Tier 1 ratio | 14.6% | 14.7% | 14.7% | 14.3% | 14.2% | 14.6% | 14.2% | -31 bps | -1 bps | -31 bps |
| Total Risk Weighted Assets | 978,341 | 986,690 | 1,028,886 | 1,105,897 | 1,151,510 | 978,341 | 1,151,510 | 17.7% | 4.1% | 17.7% |
| ST fundings to MLT loans2 | 24.2% | 26.5% | 27.1% | 26.4% | 24.1% | 24.2% | 24.1% | -10 bps | -230 bps | -10 bps |
| LDR2 | 82.2% | 77.1% | 80.1% | 82.4% | 81.2% | 82.2% | 81.2% | -100 bps | -120 bps | -100 bps |
| Profitability (VND Bn) | 3Q24 | 4Q24 | 1Q25 | 2Q25 | 3Q25 | 9T24 | 9T25 | 9T25 vs 9T24 | 3Q25 vs 2Q25 | 3Q25 vs 3Q24 |
| Net interest income | 8,929 | 8,602 | 8,305 | 9,137 | 9,925 | 26,906 | 27,367 | 1.7% | 8.6% | 11.2% |
| Non-interest income | 2,826 | 953 | 3,306 | 3,606 | 4,317 | 10,530 | 11,229 | 6.6% | 19.7% | 52.8% |
| Total operating income | 11,754 | 9,555 | 11,611 | 12,743 | 14,242 | 37,436 | 38,596 | -3.1% | 11.8% | 21.2% |
| Operating expenses | -3,431 | -4,741 | -3,285 | -3,831 | -4,493 | -10,629 | -11,608 | 9.2% | 17.3% | 31.0% |
| Profit before tax | 7,214 | 4,696 | 7,236 | 7,899 | 8,250 | 22,842 | 23,385 | 2.4% | 4.4% | 14.4% |
| NFI/TOI3 | 21.9% | 24.8% | 22.0% | 24.4% | 21.3% | 22.8% | 22.5% | -26 bps | -310 bps | -65 bps |
| CIR | 29.2% | 49.6% | 28.3% | 30.1% | 31.5% | 28.4% | 30.1% | +168 bps | +149 bps | +236 bps |
| ROA (LTM) | 2.6% | 2.4% | 2.3% | 2.2% | 2.2% | 2.6% | 2.2% | -41 bps | -2 bps | -41 bps |
| ROE (LTM) | 16.8% | 15.5% | 14.9% | 14.5% | 14.4% | 16.8% | 14.4% | -235 bps | -6 bps | -235 bps |
| NIM (LTM)4 | 4.5% | 4.4% | 4.2% | 3.9% | 3.8% | 4.5% | 3.8% | -67 bps | -11 bps | -67 bps |
| NIM (LTM) on average EOP balance5 | 4.3% | 4.2% | 4.0% | 3.7% | 3.6% | 4.3% | 3.6% | -64 bps | -10 bps | -64 bps |
| Cost of funds | 3.4% | 3.4% | 3.4% | 3.5% | 3.4% | 3.3% | 3.4% | +12 bps | -9 bps | +0 bps |
Notes: 1. YTD credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries; 4. NIM LTM based on daily IEA balances in the reporting period; 5. NIM LTM EOP based on quarter-end interest earning assets balance in the last 5 quarters
| Balance sheet (VND Bn) | 2Q24 | 3Q24 | 4Q24 | 1Q25 | 2Q25 | 6M24 | 6M25 | 6M25 vs 6M24 | 2Q25 vs 1Q25 | 2Q25 vs 2Q24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 908,307 | 927,053 | 978,799 | 989,216 | 1,037,645 | 908,307 | 1,037,645 | 14.2% | 4.9% | 14.2% |
| Deposits from customers | 495,977 | 514,467 | 564,536 | 569,855 | 589,078 | 495,977 | 589,078 | 18.8% | 3.4% | 18.8% |
| Credit growth1 | 11.6% | 17.4% | 20.8% | 3.8% | 10.6% | 11.6% | 10.6% | -95 bps | +680 bps | -95 bps |
| CASA | 39.2% | 38.9% | 40.8% | 39.4% | 41.1% | 39.2% | 41.1% | +199 bps | +172 bps | +199 bps |
| NPL | 1.28% | 1.35% | 1.17% | 1.23% | 1.32% | 1.3% | 1.3% | +4 bps | +9 bps | +4 bps |
| Credit costs (LTM) | 1.1% | 1.0% | 0.8% | 0.7% | 0.6% | 1.1% | 0.6% | -50 bps | -12 bps | -50 bps |
| Coverage ratio | 101.0% | 103.4% | 113.8% | 111.4% | 106.4% | 101.0% | 106.4% | +534 bps | -507 bps | +534 bps |
| Capital and liquidity | 2Q24 | 3Q24 | 4Q24 | 1Q25 | 2Q25 | 6M24 | 6M25 | 6M25 vs 6M24 | 2Q25 vs 1Q25 | 2Q25 vs 2Q24 |
| Basel II CAR | 14.5% | 15.1% | 15.4% | 15.3% | 15.0% | 14.5% | 15.0% | +45 bps | -38 bps | +45 bps |
| Basel II Tier 1 ratio | 14.2% | 14.6% | 14.7% | 14.7% | 14.3% | 14.2% | 14.3% | +10 bps | -46 bps | +10 bps |
| Total Risk Weighted Assets | 965,340 | 978,341 | 986,690 | 1,028,886 | 1,105,897 | 965,340 | 1,105,897 | 14.6% | 7.5% | 14.6% |
| ST fundings to MLT loans2 | 24.2% | 24.2% | 26.5% | 27.1% | 26.4% | 24.2% | 26.4% | +220 bps | -70 bps | +220 bps |
| LDR2 | 79.6% | 82.2% | 77.1% | 80.1% | 82.4% | 79.6% | 82.4% | +280 bps | +230 bps | +280 bps |
| Profitability (VND Bn) | 2Q24 | 3Q24 | 4Q24 | 1Q25 | 2Q25 | 6M24 | 6M25 | 6M25 vs 6M24 | 2Q25 vs 1Q25 | 2Q25 vs 2Q24 |
| Net interest income | 9,478 | 8,929 | 8,602 | 8,305 | 9,137 | 17,977 | 17,442 | -3.0% | 10.0% | -3.6% |
| Non-interest income | 3,942 | 2,826 | 953 | 3,306 | 3,606 | 7,704 | 6,912 | -10.3% | 9.1% | -8.5% |
| Total operating income | 13,420 | 11,754 | 9,555 | 11,611 | 12,743 | 25,681 | 24,354 | -5.2% | 9.7% | -5.0% |
| Operating expenses | (3,949) | (3,431) | (4,741) | (3,285) | (3,831) | (7,198) | (7,116) | -1.1% | 16.6% | -3.0% |
| Profit before tax | 7,827 | 7,214 | 4,696 | 7,236 | 7,899 | 15,628 | 15,135 | -3.2% | 9.2% | 0.9% |
| NFI/TOI3 | 23.3% | 21.9% | 24.8% | 22.0% | 24.4% | 23.2% | 23.2% | +7 bps | +243 bps | +107 bps |
| CIR | 29.4% | 29.2% | 49.6% | 28.3% | 30.1% | 28.0% | 29.2% | +119 bps | +177 bps | +63 bps |
| ROA (LTM) | 2.6% | 2.6% | 2.4% | 2.3% | 2.2% | 2.6% | 2.2% | -38 bps | -6 bps | -38 bps |
| ROE (LTM) | 16.5% | 16.8% | 15.5% | 14.9% | 14.5% | 16.5% | 14.5% | -199 bps | -39 bps | -199 bps |
| NIM (LTM) | 4.3% | 4.3% | 4.2% | 4.0% | 3.7% | 4.3% | 3.7% | -55 bps | -22 bps | -55 bps |
| Cost of funds | 3.2% | 3.4% | 3.4% | 3.4% | 3.5% | 3.3% | 3.5% | +19 bps | +6 bps | +31 bps |
Notes: : 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries
| Balance sheet (VND Bn) | 1Q24 | 2Q24 | 3Q24 | 4Q24 | 1Q25 | 3M24 | 3M25 | 3M25 vs 3M24 | 1Q25 vs 4Q24 | 1Q25 vs 1Q24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 885,653 | 908,307 | 927,053 | 978,799 | 989,216 | 885,653 | 989,216 | 11.7% | 1.1% | 11.7% |
| Deposits from customers | 467,589 | 495,977 | 514,467 | 564,536 | 569,855 | 467,589 | 569,855 | 21.9% | 0.9% | 21.9% |
| Credit growth1 | 6.4% | 11.6% | 17.4% | 20.8% | 3.8% | 6.4% | 3.8% | -253 bps | -1,701 bps | -253 bps |
| CASA | 41.7% | 39.2% | 38.9% | 40.8% | 39.4% | 41.7% | 39.4% | -226 bps | -139 bps | -226 bps |
| NPL | 1.17% | 1.28% | 1.35% | 1.17% | 1.23% | 1.2% | 1.2% | +6 bps | +6 bps | +6 bps |
| Credit costs (LTM) | 0.9% | 1.1% | 1.0% | 0.8% | 0.7% | 0.9% | 0.7% | -26 bps | -11 bps | -26 bps |
| Coverage ratio | 105.9% | 101.0% | 103.4% | 113.8% | 111.4% | 105.9% | 111.4% | +550 bps | -240 bps | +550 bps |
| Capital and liquidity | 1Q24 | 2Q24 | 3Q24 | 4Q24 | 1Q25 | 3M24 | 3M25 | 3M25 vs 3M24 | 1Q25 vs 4Q24 | 1Q25 vs 1Q24 |
| Basel II CAR | 14.2% | 14.5% | 15.1% | 15.4% | 15.3% | 14.2% | 15.3% | +114 bps | -5 bps | +114 bps |
| Basel II Tier 1 ratio | 13.8% | 14.2% | 14.6% | 14.7% | 14.7% | 13.8% | 14.7% | +92 bps | -3 bps | +92 bps |
| Total Risk Weighted Assets | 986,115 | 965,340 | 978,341 | 986,690 | 1,028,886 | 986,115 | 1,028,886 | 4.3% | 4.3% | 4.3% |
| ST fundings to MLT loans2 | 25.1% | 24.2% | 24.2% | 26.5% | 27.1% | 25.1% | 27.1% | +200 bps | +60 bps | +200 bps |
| LDR2 | 78.5% | 79.6% | 82.2% | 77.1% | 80.1% | 78.5% | 80.1% | +160 bps | +300 bps | +160 bps |
| Profitability (VND Bn) | 1Q24 | 2Q24 | 3Q24 | 4Q24 | 1Q25 | 3M24 | 3M25 | 3M25 vs 3M24 | 1Q25 vs 4Q24 | 1Q25 vs 1Q24 |
| Net interest income | 8,500 | 9,478 | 8,929 | 8,602 | 8,305 | 8,500 | 8,305 | -2.3% | -3.4% | -2.3% |
| Non-interest income | 3,762 | 3,942 | 2,826 | 953 | 3,306 | 3,762 | 3,306 | -12.1% | 247.0% | -12.1% |
| Total operating income | 12,262 | 13,420 | 11,754 | 9,555 | 11,611 | 12,262 | 11,611 | -5.3% | 21.5% | -5.3% |
| Operating expenses | (3,249) | (3,949) | (3,431) | (4,741) | (3,285) | (3,249) | (3,285) | 1.1% | -30.7% | 1.1% |
| Profit before tax | 7,802 | 7,827 | 7,214 | 4,696 | 7,236 | 7,802 | 7,236 | -7.2% | 54.1% | -7.2% |
| NFI/TOI3 | 23.0% | 23.3% | 21.9% | 24.8% | 22.0% | 23.0% | 22.0% | -103 bps | -289 bps | -103 bps |
| CIR | 26.5% | 29.4% | 29.2% | 49.6% | 28.3% | 26.5% | 28.3% | +179 bps | -2,133 bps | +179 bps |
| ROA (LTM) | 2.5% | 2.6% | 2.6% | 2.4% | 2.3% | 2.5% | 2.3% | -22 bps | -10 bps | -22 bps |
| ROE (LTM) | 15.6% | 16.5% | 16.8% | 15.5% | 14.9% | 15.6% | 14.9% | -75 bps | -65 bps | -75 bps |
| NIM (LTM) | 4.1% | 4.3% | 4.3% | 4.2% | 4.0% | 4.1% | 4.0% | -9 bps | -20 bps | -9 bps |
| Cost of funds | 3.4% | 3.2% | 3.4% | 3.4% | 3.4% | 3.4% | 3.5% | +9 bps | -2 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
| Balance sheet (VND Bn) | 4Q23 | 1Q24 | 2Q24 | 3Q24 | 4Q24 | FY23 | FY24 | FY24 vs. FY23 | 4Q24 vs. 3Q24 | 4Q24 vs. 4Q23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 849,482 | 885,653 | 908,307 | 927,053 | 978,799 | 849,482 | 978,799 | 15.2% | 5.6% | 15.2% |
| Deposits from customers | 454,661 | 467,372 | 496,021 | 514,417 | 565,055 | 454,661 | 565,055 | 24.3% | 9.8% | 24.3% |
| Credit growth1 | 19.2% | 6.4% | 11.6% | 17.4% | 20.8% | 19.2% | 20.8% | +161 bps | +350 bps | +161 bps |
| CASA | 39.9% | 41.7% | 39.2% | 38.9% | 40.9% | 39.9% | 40.9% | +95 bps | +193 bps | +95 bps |
| NPL | 1.19% | 1.17% | 1.28% | 1.35% | 1.17% | 1.2% | 1.2% | -2 bps | -17 bps | -2 bps |
| Credit costs (LTM) | 0.8% | 0.9% | 1.1% | 1.0% | 0.8% | 0.8% | 0.8% | -5 bps | -26 bps | -5 bps |
| Coverage ratio | 102.1% | 105.9% | 101.0% | 103.4% | 113.8% | 102.1% | 113.8% | +1,177 bps | +1,043 bps | +1,177 bps |
| Capital and liquidity | 4Q23 | 1Q24 | 2Q24 | 3Q24 | 4Q24 | FY23 | FY24 | FY24 vs. FY23 | 4Q24 vs. 3Q24 | 4Q24 vs. 4Q23 |
| Basel II CAR | 14.3% | 14.2% | 14.5% | 15.1% | 15.3% | 14.3% | 15.3% | +92 bps | +19 bps | +92 bps |
| Basel II Tier 1 ratio | 13.9% | 13.8% | 14.2% | 14.6% | 14.6% | 13.9% | 14.6% | +69 bps | +7 bps | +69 bps |
| Total Risk Weighted Assets | 931,219 | 986,115 | 965,343 | 978,341 | 994,771 | 931,219 | 994,771 | 6.8% | 1.7% | 6.8% |
| ST fundings to MLT loans2 | 26.4% | 25.1% | 24.2% | 24.2% | 26.5% | 26.4% | 26.5% | +10 bps | +230 bps | +10 bps |
| LDR2 | 77.4% | 78.5% | 79.6% | 82.2% | 77.1% | 77.4% | 77.1% | -30 bps | -510 bps | -30 bps |
| Profitability (VND Bn) | 4Q23 | 1Q24 | 2Q24 | 3Q24 | 4Q24 | FY23 | FY24 | FY24 vs. FY23 | 4Q24 vs 3Q24 | 4Q24 vs 4Q23 |
| Net interest income | 7,597 | 8,500 | 9,478 | 8,929 | 8,602 | 27,691 | 35,508 | 28.2% | -3.7% | 13.2% |
| Non-interest income | 3,420 | 3,762 | 3,942 | 2,826 | 953 | 12,370 | 11,482 | -7.2% | -66.3% | -72.1% |
| Total operating income | 11,017 | 12,262 | 13,420 | 11,754 | 9,555 | 40,061 | 46,990 | 17.3% | -18.7% | -13.3% |
| Operating expenses | (3,610) | (3,249) | (3,949) | (3,431) | (4,741) | (13,252) | (15,370) | 16.0% | 38.2% | 31.3% |
| Profit before tax | 5,773 | 7,802 | 7,827 | 7,214 | 4,696 | 22,888 | 27,538 | 20.3% | -34.9% | -18.7% |
| NFI/TOI3 | 28.7% | 23.0% | 23.3% | 21.9% | 24.8% | 26.0% | 23.2% | -276 bps | +291 bps | -383 bps |
| CIR | 32.8% | 26.5% | 29.4% | 29.2% | 49.6% | 33.1% | 32.7% | -37 bps | +2,043 bps | +1,685 bps |
| ROA (LTM) | 2.4% | 2.5% | 2.6% | 2.6% | 2.4% | 2.4% | 2.4% | -1 bps | -23 bps | -1 bps |
| ROE (LTM) | 14.8% | 15.6% | 16.5% | 16.8% | 15.5% | 14.8% | 15.5% | +70 bps | -125 bps | +70 bps |
| NIM (LTM) | 4.0% | 4.1% | 4.3% | 4.3% | 4.2% | 4.0% | 4.2% | +20 bps | -11 bps | +20 bps |
| Cost of funds | 4.2% | 3.4% | 3.2% | 3.4% | 3.4% | 4.9% | 3.3% | -153 bps | +5 bps | -76 bps |
Notes: : 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries
| Balance sheet (VND Bn) | 3Q23 | 4Q23 | 1Q24 | 2Q24 | 3Q24 | 9M23 | 9M24 | 9M24 vs. 9M23 | 3Q24 vs. 2Q24 | 3Q24 vs. 3Q23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | 781,279 | 849,482 | 885,653 | 908,307 | 927,053 | 781,279 | 927,053 | 18.7% | 2.1% | 18.7% |
| Deposits from customers | 409,045 | 454,661 | 458,041 | 481,860 | 494,954 | 409,045 | 494,954 | 21.0% | 2.7% | 21.0% |
| Credit growth1 | 11.4% | 19.2% | 6.4% | 11.6% | 17.4% | 11.4% | 17.4% | +593 bps | +576 bps | +593 bps |
| CASA | 33.6% | 39.9% | 42.5% | 40.3% | 40.5% | 33.6% | 40.5% | +684 bps | +16 bps | +684 bps |
| NPL | 1.40% | 1.19% | 1.17% | 1.28% | 1.35% | 1.4% | 1.3% | -5 bps | +6 bps | -5 bps |
| Credit costs (LTM) | 0.7% | 0.8% | 0.9% | 1.1% | 1.1% | 0.7% | 1.1% | +38 bps | +1 bps | +38 bps |
| Coverage ratio | 93.0% | 102.1% | 105.9% | 101.0% | 103.4% | 93.0% | 103.4% | +1,036 bps | +237 bps | +1,036 bps |
| Capital and liquidity | 3Q23 | 4Q23 | 1Q23 | 2Q24 | 3Q24 | 9M23 | 9M24 | 9M24 vs. 9M23 | 3Q24 vs. 2Q24 | 3Q24 vs. 3Q23 |
| Basel II CAR | 15.0% | 14.3% | 14.2% | 14.5% | 15.1% | 15.0% | 15.1% | +4 bps | +56 bps | +4 bps |
| Basel II Tier 1 ratio | 14.8% | 13.9% | 13.8% | 14.2% | 14.6% | 14.8% | 14.6% | -28 bps | +40 bps | -28 bps |
| Total Risk Weighted Assets | 844,966 | 931,219 | 986,115 | 965,343 | 978,341 | 844,966 | 978,341 | 15.8% | 1.3% | 15.8% |
| ST fundings to MLT loans2 | 30.5% | 26.4% | 25.1% | 24.2% | 24.2% | 30.5% | 24.2% | -634 bps | 0 bps | -634 bps |
| LDR2 | 76.7% | 77.4% | 78.5% | 79.6% | 82.2% | 76.7% | 82.2% | +547 bps | +260 bps | +547 bps |
| Profitability (VND Bn) | 3Q23 | 4Q23 | 1Q24 | 2Q24 | 3Q24 | 9M23 | 9M24 | 9M24 vs. 9M23 | 3Q24 vs. 2Q24 | 3Q24 vs. 3Q23 |
| Net interest income | 7,272 | 7,597 | 8,500 | 9,478 | 8,929 | 20,094 | 26,906 | 33.9% | -5.8% | 22.8% |
| Non-interest income | 3,146 | 3,420 | 3,762 | 3,942 | 2,826 | 8,950 | 10,530 | 17.7% | -28.3% | -10.2% |
| Total operating income | 10,418 | 11,017 | 12,262 | 13,420 | 11,754 | 29,044 | 37,436 | 28.9% | -12.4% | 12.8% |
| Operating expenses | (3,631) | (3,610) | (3,249) | (3,949) | (3,431) | (9,642) | (10,629) | 10.2% | -13.1% | -5.5% |
| Profit before tax | 5,843 | 5,773 | 7,802 | 7,827 | 7,214 | 17,115 | 22,842 | 33.5% | -7.8% | 23.5% |
| NFI/TOI3 | 26.3% | 28.7% | 23.0% | 23.3% | 21.9% | 24.9% | 22.8% | -218 bps | -143 bps | -440 bps |
| CIR | 34.8% | 32.8% | 26.5% | 29.4% | 29.2% | 33.2% | 28.4% | -480 bps | -24 bps | -566 bps |
| ROA (LTM) | 2.4% | 2.4% | 2.5% | 2.6% | 2.6% | 2.4% | 2.6% | +22 bps | +1 bps | +22 bps |
| ROE (LTM) | 14.6% | 14.8% | 15.6% | 16.5% | 16.8% | 14.6% | 16.8% | +217 bps | +30 bps | +217 bps |
| NIM (LTM) | 4.1% | 4.0% | 4.1% | 4.3% | 4.3% | 4.1% | 4.3% | +21 bps | -2 bps | +21 bps |
| Cost of funds | 4.7% | 4.2% | 3.4% | 3.2% | 3.4% | 5.1% | 3.3% | -181 bps | +22 bps | -132 bps |
Notes: : 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
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