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BIDV's market capitalisation (end of period) rose 58.1% yoy to USD 8,010 mil in 4Q2019

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. ...

BIDV's net profit rose 260% yoy to VND 2,990 bil in 4Q2019

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% ...

BIDV's net profit rose 260% yoy to VND 2,990 bil in 4Q2019

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 ... ...

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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:

Download Sample   $19.99

BIDV's market capitalisation (end of period) rose 58.1% yoy to USD 8,010 mil in 4Q2019

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 ...

BIDV's customer deposits rose 26.8% yoy to VND 773,163 bil in 4Q2016

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...

BIDV's customer deposits rose 26.8% yoy to VND 773,163 bil in 4Q2016

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...

BIDV's npls (as % of loans) fell 8.42% yoy to 1.74% in 4Q2019

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...

BIDV's npls (as % of loans) fell 8.42% yoy to 1.74% in 4Q2019

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...

BIDV's net interest margin fell 9.29% yoy to 2.64% in 4Q2019

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...

BIDV's net interest margin fell 9.29% yoy to 2.64% in 4Q2019

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...

BIDV's price/earnings (P/E) rose 193% yoy to 14.6 in 4Q2019

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 ...

BIDV's price/earnings (P/E) rose 193% yoy to 14.6 in 4Q2019

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 ...

BIDV's net interest income rose 2.45% yoy to VND 9,604 bil in 4Q2019

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...

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