HDBank

HDBank's npls (as % of loans) fell 10.9% yoy to 1.36% in 4Q2019

By Helgi Library - March 1, 2020

HDBank's non-performing loans reached 1.36% of total loans at the end of 2019-12-31, down from 1.53% compared to the previous yea...

HDBank's net profit rose 43.8% yoy to VND 1,121 bil in 4Q2019

By Helgi Library - March 1, 2020

HDBank made a net profit of VND 1,121 bil in the fourth quarter of 2019, up 43.8% when compared to the same period of last year. ...

HDBank's net interest margin rose 23.9% yoy to 5.17% in 4Q2019

By Helgi Library - March 1, 2020

HDBank's net interest margin amounted to 5.17% in the fourth quarter of 2019, up from 4.69% when compared to the previous quarte...

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income statement Unit May 2024 Dec 2019
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Net Interest Income Growth % ...  
other data Unit May 2024 Dec 2019
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HDBank's price/earnings (P/E) fell 37.1% yoy to 5.99 in 4Q2019

By Helgi Library - March 1, 2020

HDBank stock traded at VND 27,550 per share at the end fourth quarter of 2019 implying a market capitalization of USD 1,159 mil. Since the end of 4Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the comp...

HDBank's net interest income rose 33.2% yoy to VND 2,888 bil in 4Q2019

By Helgi Library - March 1, 2020

HDBank generated total banking revenues of VND 3,413 bil in the fourth quarter of 2019, up 26.5% when compared to the same period of last year and 17.4% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee a...

HDBank's market capitalisation (end of period) fell 9.48% yoy to USD 1,159 mil in 4Q2019

By Helgi Library - March 1, 2020

HDBank stock traded at VND 27,550 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 1,159 mil. Over the last five years, the stock has appreciated by 0 implying an annual average growth of 0% In absolute terms, the val...

HDBank's equity (as % of assets) rose 14.0% yoy to 8.88% in 4Q2019

By Helgi Library - March 1, 2020

HDBank's Equity reached 8.88% of total assets in the 4Q2019, up from 7.79% for the previous year. As a share of net customer loans, the ratio amounted to 14.1% at the end of the fourth quarter of 2019. ...

HDBank's customer loan growth rose 5.32% yoy to 18.8% in 4Q2019

By Helgi Library - March 1, 2020

HDBank's customer loan growth reached 18.8% in 2019-12-31, up from 17.9% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 25.2% in 2018-09-30 and an all time low of 11.2% in 2019-03-31. In the last decade, t...

HDBank's net profit rose 26.8% yoy to VND 3,605 bil in 2019

By Helgi Library - March 1, 2020

HDBank made a net profit of VND 3,605 bil under revenues of VND 11,620 bil in 2019, up 26.8% and 21.0% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of VND 3,605 bil in 2019 and an all time low of VND 194 bil...

HDBank's price/earnings (P/E) fell 28.3% yoy to 7.50 in 2019

By Helgi Library - March 1, 2020

HDBank stock traded at VND 27,550 per share at the end 2019 implying a market capitalization of USD 1,159 mil. Since the end of 2014, the stock has depreciated by -13.9 % implying an annual average growth of -2.95 %. In absolute terms, the value of the company fe...

HDBank's net interest margin rose 14.7% yoy to 4.39% in 2019

By Helgi Library - March 1, 2020

HDBank's net interest margin amounted to 4.39% in 2019, up from 3.83% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 4.39% in 2019 and an all time low of 0.468% in 2013. The average margin in the ...

HDBank's net interest income rose 26.0% yoy to VND 9,774 bil in 2019

By Helgi Library - March 1, 2020

HDBank generated total banking revenues of VND 11,620 bil in 2019, up 21% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of VND 11,620 bil in 2019 and an all ti...

HDBank's npls (as % of loans) fell 10.9% yoy to 1.36% in 2019

By Helgi Library - March 1, 2020

HDBank's non-performing loans reached 1.36% of total loans at the end of 2019, down from 1.53% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.53% in 2013 and an all time low of 0.831% in 2010. Provision coverage amounte...

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Finance

HDBank has been growing its revenues and asset by 37.2% and 28.2% a year on average in the last 10 years. Its loans and deposits have grown by 33.3% and 30.2% a year during that time and loans to deposits ratio reached 109% at the end of 2019. The company achieved an average return on equity of 10.8% in the last decade with net profit growing 33.9% a year on average. In terms of operating efficiency, its cost to income ratio reached 44.0% in 2019, compared to 54.4% average in the last decade.

Equity represented 8.88% of total assets or 14.1% of loans at the end of 2019. HDBank's non-performing loans were 1.36% of total loans while provisions covered some 81.4% of NPLs at the end of 2019.

Valuation

HDBank stock traded at VND 27,550 per share at the end of 2019 resulting in a market capitalization of USD 1,159 mil. Over the previous five years, stock price fell by 13.9% or 2.95% a year on average. That’s compared to an average ROE of 12.9% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 7.50x and price to book value (PBV) of 1.32x in 2019.