By Helgi Library - March 1, 2020
BIDV stock traded at VND 46,150 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 8,010 mil. ...
By Helgi Library - March 1, 2020
BIDV made a net profit of VND 2,990 bil under revenues of VND 15,430 bil in the fourth quarter of 2019, up 260% and 77.2% ...
By Helgi Library - March 1, 2020
BIDV made a net profit of VND 2,990 bil under revenues of VND 15,430 bil in the fourth quarter of 2019, up 260% and 77.2% ...
Profit Statement | 2017 | 2018 | 2019 | |
Net Interest Income | VND bil | 31,141 | 35,019 | 36,021 |
Net Fee Income | VND bil | 2,966 | 3,551 | 4,284 |
Other Income | VND bil | 8,721 | 6,029 | 12,437 |
Total Revenues | VND bil | 42,827 | 44,599 | 52,742 |
Staff Cost | VND bil | 8,500 | 8,880 | 9,733 |
Operating Profit | VND bil | 26,008 | 26,960 | 34,305 |
Provisions | VND bil | 14,847 | 18,894 | 20,009 |
Net Profit | VND bil | 6,787 | 3,775 | 8,487 |
Balance Sheet | 2017 | 2018 | 2019 | |
Interbank Loans | VND bil | 118,355 | 104,113 | 54,290 |
Customer Loans | VND bil | 855,536 | 976,334 | 1,102,490 |
Total Assets | VND bil | 1,202,280 | 1,313,040 | 1,490,100 |
Shareholders' Equity | VND bil | 48,834 | 54,552 | 77,766 |
Interbank Borrowing | VND bil | 172,401 | 169,118 | 189,972 |
Customer Deposits | VND bil | 922,223 | 1,000,550 | 1,139,390 |
Issued Debt Securities | VND bil | 30,337 | 56,784 | 45,397 |
Ratios | 2017 | 2018 | 2019 | |
ROE | % | 14.6 | 7.30 | 12.8 |
ROA | % | 0.615 | 0.300 | 0.606 |
Costs (As % Of Assets) | % | 1.52 | 1.40 | 1.32 |
Costs (As % Of Income) | % | 39.3 | 39.6 | 35.0 |
Capital Adequacy Ratio | % | 10.9 | ... | ... |
Net Interest Margin | % | 2.82 | 2.78 | 2.57 |
Loans (As % Of Deposits) | % | 92.8 | 97.6 | 96.8 |
NPLs (As % Of Loans) | % | 1.62 | 1.90 | 1.74 |
Provisions (As % Of NPLs) | % | 80.7 | 66.0 | 74.2 |
Valuation | 2017 | 2018 | 2019 | |
Price/Earnings (P/E) | 17.0 | 58.7 | 19.1 | |
Price/Book Value (P/BV) | 1.79 | 2.16 | 2.09 | |
Dividend Yield | % | 2.75 | ... | ... |
Earnings Per Share (EPS) | VND | 1,499 | 586 | 2,414 |
Book Value Per Share | VND | 14,284 | 15,957 | 22,123 |
Dividend Per Share | VND | 700 | ... | ... |
Get all company financials in excel:
summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
income statement | ||||||||||||||
Net Interest Income | VND bil | ... | 14,997 | 17,093 | 19,353 | 24,256 | 31,141 | |||||||
Total Revenues | VND bil | ... | 20,749 | 23,809 | 27,095 | 33,931 | 42,827 | |||||||
Operating Profit | VND bil | ... | 12,441 | 14,339 | 14,840 | 18,496 | 26,008 | |||||||
Net Profit | VND bil | ... | 4,031 | 4,948 | 6,298 | 6,104 | 6,787 | |||||||
balance sheet | ||||||||||||||
Interbank Loans | VND bil | 47,656 | 50,062 | 67,098 | 61,865 | 118,355 | ||||||||
Customer Loans | VND bil | 384,890 | 439,070 | 590,917 | 713,633 | 855,536 | ||||||||
Debt Securities | VND bil | 70,221 | 100,730 | 130,817 | 154,766 | 156,261 | ||||||||
Total Assets | VND bil | 548,386 | 650,340 | 850,507 | 1,006,380 | 1,202,280 | ||||||||
Shareholders' Equity | VND bil | 32,293 | 33,606 | 42,336 | 44,115 | 48,834 | ||||||||
Interbank Borrowing | VND bil | 96,125 | 118,231 | 162,552 | 149,818 | 172,401 | ||||||||
Customer Deposits | VND bil | 361,423 | 445,127 | 609,543 | 773,163 | 922,223 | ||||||||
Issued Debt Securities | VND bil | 46,149 | 38,944 | 18,594 | 16,936 | 30,337 | ||||||||
ratios | ||||||||||||||
ROE | % | ... | ... | 13.7 | 15.0 | 16.6 | 14.1 | 14.6 | ||||||
ROA | % | ... | ... | 0.780 | 0.826 | 0.839 | 0.657 | 0.615 | ||||||
Costs (As % Of Assets) | % | ... | ... | 1.61 | 1.58 | 1.63 | 1.66 | 1.52 | ||||||
Costs (As % Of Income) | % | ... | 40.0 | 39.8 | 45.2 | 45.5 | 39.3 | |||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.9 | ... | ... |
Net Interest Margin | % | ... | ... | 2.90 | 2.85 | 2.58 | 2.61 | 2.82 | ||||||
Interest Income (As % Of Revenues) | % | ... | 72.3 | 71.8 | 71.4 | 71.5 | 72.7 | |||||||
Fee Income (As % Of Revenues) | % | ... | 7.55 | 7.57 | 8.62 | 7.41 | 6.92 | |||||||
Staff Cost (As % Of Total Cost) | % | ... | 48.5 | 51.9 | 51.0 | 48.1 | 50.5 | |||||||
Equity (As % Of Assets) | % | 5.89 | 5.17 | 4.98 | 4.38 | 4.06 | ||||||||
Loans (As % Of Deposits) | % | 106 | 98.6 | 96.9 | 92.3 | 92.8 | ||||||||
Loans (As % Assets) | % | 70.2 | 67.5 | 69.5 | 70.9 | 71.2 | ||||||||
NPLs (As % Of Loans) | % | 2.26 | 2.03 | 1.68 | 1.99 | 1.62 | ||||||||
Provisions (As % Of NPLs) | % | 69.5 | 73.1 | 74.8 | 69.8 | 80.7 | ||||||||
valuation | ||||||||||||||
Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | ... | 1,670 | 3,132 | 2,132 | 3,839 | ||
Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | 2,776 | 2,943 | 3,122 | 3,418 | 3,419 | ||
Share Price (End Of Period) | VND | ... | ... | ... | ... | ... | ... | ... | 12,132 | 20,600 | 14,200 | 25,500 | ||
Earnings Per Share (EPS) | VND | ... | ... | ... | ... | ... | ... | 1,452 | 1,325 | 1,579 | 1,345 | 1,499 | ||
Book Value Per Share | VND | ... | ... | ... | ... | ... | ... | 11,632 | 11,419 | 13,560 | 12,907 | 14,284 | ||
Dividend Per Share | VND | ... | ... | ... | ... | ... | ... | ... | 974 | 0 | 700 | 700 | ... | ... |
Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | 9.16 | 13.0 | 10.6 | 17.0 | |||
Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | 1.06 | 1.52 | 1.10 | 1.79 | |||
Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | 8.03 | 0 | 4.93 | 2.75 | ... | ... |
Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | -8.74 | 19.2 | -14.8 | 11.4 | ||
Book Value Per Share Growth | % | ... | ... | ... | -1.83 | 18.7 | -4.82 | 10.7 |
income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
income statement | ||||||||||||||
Interest Income | VND bil | ... | 43,977 | 44,233 | 49,044 | 63,421 | 78,814 | |||||||
Interest Cost | VND bil | ... | 28,980 | 27,140 | 29,690 | 39,166 | 47,673 | |||||||
Net Interest Income | VND bil | ... | 14,997 | 17,093 | 19,353 | 24,256 | 31,141 | |||||||
Net Fee Income | VND bil | ... | 1,567 | 1,803 | 2,337 | 2,513 | 2,966 | |||||||
Other Income | VND bil | ... | 4,185 | 4,914 | 5,406 | 7,162 | 8,721 | |||||||
Total Revenues | VND bil | ... | 20,749 | 23,809 | 27,095 | 33,931 | 42,827 | |||||||
Staff Cost | VND bil | ... | 4,027 | 4,920 | 6,256 | 7,429 | 8,500 | |||||||
Depreciation | VND bil | ... | ... | ... | ... | 377 | 533 | ... | 772 | ... | ||||
Other Cost | VND bil | ... | ... | ... | ... | 4,174 | 5,467 | ... | 7,547 | ... | ||||
Operating Cost | VND bil | ... | 8,308 | 9,471 | 12,255 | 15,435 | 16,820 | |||||||
Operating Profit | VND bil | ... | 12,441 | 14,339 | 14,840 | 18,496 | 26,008 | |||||||
Provisions | VND bil | ... | 6,483 | 6,986 | 5,676 | 9,200 | 14,847 | |||||||
Extra and Other Cost | VND bil | ... | 668 | 1,056 | 1,215 | 1,629 | 2,495 | |||||||
Pre-Tax Profit | VND bil | ... | 5,290 | 6,297 | 7,949 | 7,668 | 8,665 | |||||||
Tax | VND bil | ... | 1,239 | 1,311 | 1,572 | 1,471 | 1,720 | |||||||
Minorities | VND bil | ... | 20.3 | 37.8 | 78.7 | 92.1 | 159 | |||||||
Net Profit | VND bil | ... | 4,031 | 4,948 | 6,298 | 6,104 | 6,787 | |||||||
Dividends | VND bil | ... | ... | ... | ... | ... | ... | ... | 2,867 | 0 | 2,393 | 2,393 | ... | ... |
growth rates | ||||||||||||||
Net Interest Income Growth | % | ... | ... | ... | 14.0 | 13.2 | 25.3 | 28.4 | ||||||
Net Fee Income Growth | % | ... | ... | ... | 15.0 | 29.6 | 7.54 | 18.0 | ||||||
Total Revenue Growth | % | ... | ... | ... | 14.8 | 13.8 | 25.2 | 26.2 | ||||||
Operating Cost Growth | % | ... | ... | ... | 14.0 | 29.4 | 25.9 | 8.97 | ||||||
Operating Profit Growth | % | ... | ... | ... | 15.3 | 3.50 | 24.6 | 40.6 | ||||||
Pre-Tax Profit Growth | % | ... | ... | ... | 19.0 | 26.2 | -3.54 | 13.0 | ||||||
Net Profit Growth | % | ... | ... | ... | 22.8 | 27.3 | -3.08 | 11.2 | ||||||
market share | ||||||||||||||
Market Share in Revenues | % | ... | ... | 11.7 | 12.9 | 13.0 | 14.2 | ... | ... | ... | ||||
Market Share in Net Profit | % | ... | ... | 13.4 | 28.9 | 20.2 | 14.8 | ... | ... | ... |
balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
balance sheet | ||||||||||||||
Cash | VND bil | 16,698 | 28,491 | 28,308 | 43,817 | 37,622 | ||||||||
Interbank Loans | VND bil | 47,656 | 50,062 | 67,098 | 61,865 | 118,355 | ||||||||
Customer Loans | VND bil | 384,890 | 439,070 | 590,917 | 713,633 | 855,536 | ||||||||
Retail Loans | VND bil | ... | ... | ... | ... | 137,950 | 199,317 | 269,328 | ... | |||||
Corporate Loans | VND bil | ... | ... | ... | ... | 460,290 | 524,327 | 597,428 | ... | |||||
Debt Securities | VND bil | 70,221 | 100,730 | 130,817 | 154,766 | 156,261 | ||||||||
Fixed Assets | VND bil | 4,985 | 6,438 | 8,075 | 9,173 | 9,812 | ||||||||
Intangible Assets | VND bil | 216 | 234 | 460 | 607 | 537 | ||||||||
Goodwill | VND bil | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | |||||
Total Assets | VND bil | 548,386 | 650,340 | 850,507 | 1,006,380 | 1,202,280 | ||||||||
Shareholders' Equity | VND bil | 32,293 | 33,606 | 42,336 | 44,115 | 48,834 | ||||||||
Of Which Minority Interest | VND bil | 253 | 335 | 1,386 | 1,605 | 2,873 | ||||||||
Liabilities | VND bil | 516,094 | 616,734 | 808,172 | 962,266 | 1,153,450 | ||||||||
Interbank Borrowing | VND bil | 96,125 | 118,231 | 162,552 | 149,818 | 172,401 | ||||||||
Customer Deposits | VND bil | 361,423 | 445,127 | 609,543 | 773,163 | 922,223 | ||||||||
Sight Deposits | VND bil | 62,333 | 78,415 | 104,317 | 124,927 | 160,200 | ||||||||
Term Deposits | VND bil | 297,043 | 364,880 | 501,509 | 643,315 | 756,330 | ||||||||
Issued Debt Securities | VND bil | 46,149 | 38,944 | 18,594 | 16,936 | 30,337 | ||||||||
Other Liabilities | VND bil | 12,397 | 14,433 | 17,481 | 22,349 | 28,489 | ||||||||
asset quality | ||||||||||||||
Non-Performing Loans | VND bil | 8,839 | 9,057 | 10,054 | 14,429 | 14,064 | ||||||||
Gross Loans | VND bil | 391,035 | 445,693 | 598,434 | 723,697 | 866,885 | ||||||||
Total Provisions | VND bil | 6,145 | 6,623 | 7,517 | 10,065 | 11,350 | ||||||||
growth rates | ||||||||||||||
Customer Loan Growth | % | ... | 15.2 | 14.1 | 34.6 | 20.8 | 19.9 | |||||||
Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | 44.5 | 35.1 | ... | ||||
Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | 13.9 | 13.9 | ... | ||||
Total Asset Growth | % | ... | 13.1 | 18.6 | 30.8 | 18.3 | 19.5 | |||||||
Shareholders' Equity Growth | % | ... | 20.9 | 4.07 | 26.0 | 4.20 | 10.7 | |||||||
Customer Deposit Growth | % | ... | 11.7 | 23.2 | 36.9 | 26.8 | 19.3 | |||||||
market share | ||||||||||||||
Market Share in Customer Loans | % | 12.8 | 13.1 | 14.7 | 14.8 | 14.8 | ... | ... | ||||||
Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | 11.4 | 10.8 | ... | ... | ... | |
Market Share in Total Assets | % | 10.0 | 10.8 | 12.2 | 12.4 | 12.4 | ... | ... | ||||||
Market Share in Customer Deposits | % | 9.80 | 10.4 | 12.1 | 13.0 | 13.5 | ... | ... |
ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
ratios | ||||||||||||||
ROE | % | ... | ... | 13.7 | 15.0 | 16.6 | 14.1 | 14.6 | ||||||
ROA | % | ... | ... | 0.780 | 0.826 | 0.839 | 0.657 | 0.615 | ||||||
Costs (As % Of Assets) | % | ... | ... | 1.61 | 1.58 | 1.63 | 1.66 | 1.52 | ||||||
Costs (As % Of Income) | % | ... | 40.0 | 39.8 | 45.2 | 45.5 | 39.3 | |||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.9 | ... | ... |
Net Interest Margin | % | ... | ... | 2.90 | 2.85 | 2.58 | 2.61 | 2.82 | ||||||
Interest Spread | % | ... | ... | 2.56 | 2.59 | 2.37 | 2.41 | 2.63 | ||||||
Asset Yield | % | ... | ... | 8.51 | 7.38 | 6.54 | 6.83 | 7.14 | ||||||
Cost Of Liabilities | % | ... | ... | 5.95 | 4.79 | 4.17 | 4.42 | 4.51 | ||||||
Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | 58.0 | 0 | 39.2 | 35.3 | ... | ... |
Interest Income (As % Of Revenues) | % | ... | 72.3 | 71.8 | 71.4 | 71.5 | 72.7 | |||||||
Fee Income (As % Of Revenues) | % | ... | 7.55 | 7.57 | 8.62 | 7.41 | 6.92 | |||||||
Other Income (As % Of Revenues) | % | ... | 20.2 | 20.6 | 20.0 | 21.1 | 20.4 | |||||||
Cost Per Employee | USD per month | ... | ... | ... | 876 | 1,009 | 1,010 | 1,120 | 1,271 | |||||
Cost Per Employee (Local Currency) | VND per month | ... | ... | ... | 18,407,000 | 21,430,500 | 21,854,000 | 24,675,400 | 28,462,300 | |||||
Staff Cost (As % Of Total Cost) | % | ... | 48.5 | 51.9 | 51.0 | 48.1 | 50.5 | |||||||
Equity (As % Of Assets) | % | 5.89 | 5.17 | 4.98 | 4.38 | 4.06 | ||||||||
Loans (As % Of Deposits) | % | 106 | 98.6 | 96.9 | 92.3 | 92.8 | ||||||||
Loans (As % Assets) | % | 70.2 | 67.5 | 69.5 | 70.9 | 71.2 | ||||||||
NPLs (As % Of Loans) | % | 2.26 | 2.03 | 1.68 | 1.99 | 1.62 | ||||||||
Provisions (As % Of NPLs) | % | 69.5 | 73.1 | 74.8 | 69.8 | 80.7 | ||||||||
Provisions (As % Of Loans) | % | 1.60 | 1.51 | 1.27 | 1.41 | 1.33 | ||||||||
Cost of Provisions (As % Of Loans) | % | ... | ... | 1.80 | 1.70 | 1.10 | 1.41 | 1.89 |
other data | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
other data | ||||||||||||||
Employees | ... | ... | 18,231 | 19,130 | 23,854 | 25,088 | 24,888 | |||||||
Sight (As % Of Customer Deposits) | % | 17.2 | 17.6 | 17.1 | 16.2 | 17.4 | ||||||||
Return on Loans | % | ... | 1.12 | 1.20 | 1.22 | 0.936 | 0.865 | |||||||
Operating Profit (As % of Loans) | % | ... | ... | 3.46 | 3.48 | 2.88 | 2.84 | 3.31 | ||||||
Costs (As % Of Loans) | % | ... | ... | 2.31 | 2.30 | 2.38 | 2.37 | 2.14 | ||||||
Equity (As % Of Loans) | % | 8.39 | 7.65 | 7.16 | 6.18 | 5.71 |
Get all company financials in excel:
By Helgi Library - March 1, 2020
BIDV stock traded at VND 46,150 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 8,010 mil. Over the last five years, the stock has appreciated by 280 implying an annual average growth of 30.6% In absolute terms, the ...
By Helgi Library - March 1, 2020
BIDV's customer deposits reached VND 773,163 bil in 2016-12-31, up 6.50% compared to the previous year. Vietnamese banking sector accepted customer deposits of VND 5,860,000 bil in 2016-12-31, up 0.518% when compared to the last year. BIDV accounted for 1...
By Helgi Library - March 1, 2020
BIDV's customer deposits reached VND 773,163 bil in 2016-12-31, up 6.50% compared to the previous year. Vietnamese banking sector accepted customer deposits of VND 5,860,000 bil in 2016-12-31, up 0.518% when compared to the last year. BIDV accounted for 1...
By Helgi Library - March 4, 2020
BIDV's non-performing loans reached 1.74% of total loans at the end of 2019-12-31, down from 1.90% compared to the previous year. Historically, the NPL ratio hit an all time high of 2.80% in 2015-06-30 and an all time low of 1.49% in 2018-06-30. Provision c...
By Helgi Library - March 4, 2020
BIDV's non-performing loans reached 1.74% of total loans at the end of 2019-12-31, down from 1.90% compared to the previous year. Historically, the NPL ratio hit an all time high of 2.80% in 2015-06-30 and an all time low of 1.49% in 2018-06-30. Provision c...
By Helgi Library - March 1, 2020
BIDV's net interest margin amounted to 2.64% in the fourth quarter of 2019, up from 2.48% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.70% in 4Q2013 and an all time low of 2.05% in 2Q2...
By Helgi Library - March 1, 2020
BIDV's net interest margin amounted to 2.64% in the fourth quarter of 2019, up from 2.48% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.70% in 4Q2013 and an all time low of 2.05% in 2Q2...
By Helgi Library - March 1, 2020
BIDV stock traded at VND 46,150 per share at the end fourth quarter of 2019 implying a market capitalization of USD 8,010 mil. Since the end of 4Q2014, the stock has appreciated by 280 % implying an annual average growth of 30.6 %. In absolute terms, the value of the ...
By Helgi Library - March 1, 2020
BIDV stock traded at VND 46,150 per share at the end fourth quarter of 2019 implying a market capitalization of USD 8,010 mil. Since the end of 4Q2014, the stock has appreciated by 280 % implying an annual average growth of 30.6 %. In absolute terms, the value of the ...
By Helgi Library - March 1, 2020
BIDV generated total banking revenues of VND 15,430 bil in the fourth quarter of 2019, up 77.2% when compared to the same period of last year and 21.5% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee an...