By Helgi Library - March 1, 2020
MBBank made a net profit of VND 1,870 bil in the fourth quarter of 2019, up 35.9% when compared to the same period of last year. ...
By Helgi Library - March 1, 2020
MBBank made a net profit of VND 1,870 bil in the fourth quarter of 2019, up 35.9% when compared to the same period of last year. ...
By Helgi Library - March 4, 2020
MBBank's non-performing loans reached 1.13% of total loans at the end of 2019-12-31, down from 1.33% compared to the previous yea...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | VND bil | 11,281 | 14,624 | 18,078 |
| Net Fee Income | VND bil | 1,131 | 2,561 | 3,186 |
| Other Income | VND bil | 4,071 | 6,413 | 6,621 |
| Total Revenues | VND bil | 16,483 | 23,599 | 27,885 |
| Staff Cost | VND bil | 3,204 | 4,968 | 6,064 |
| Operating Profit | VND bil | 9,960 | 13,961 | 18,162 |
| Provisions | VND bil | 3,252 | 3,035 | 4,891 |
| Net Profit | VND bil | 3,520 | 6,113 | 7,823 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | VND bil | 53,497 | 45,062 | 39,691 |
| Customer Loans | VND bil | 182,062 | 211,475 | 247,130 |
| Total Assets | VND bil | 313,878 | 362,325 | 411,488 |
| Shareholders' Equity | VND bil | 29,601 | 34,173 | 39,886 |
| Interbank Borrowing | VND bil | 47,765 | 59,215 | 61,089 |
| Customer Deposits | VND bil | 220,176 | 244,007 | 272,710 |
| Issued Debt Securities | VND bil | 6,504 | 11,324 | 15,833 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 12.5 | 19.2 | 21.1 |
| ROA | % | 1.23 | 1.81 | 2.02 |
| Costs (As % Of Assets) | % | 2.29 | 2.85 | 2.51 |
| Costs (As % Of Income) | % | 39.6 | 40.8 | 34.9 |
| Capital Adequacy Ratio | % | 12.0 | ... | ... |
| Net Interest Margin | % | 3.96 | 4.33 | 4.67 |
| Loans (As % Of Deposits) | % | 82.7 | 86.7 | 90.6 |
| NPLs (As % Of Loans) | % | 1.20 | 1.33 | 1.13 |
| Provisions (As % Of NPLs) | % | 95.9 | 112 | 113 |
| Valuation | 2017 | 2018 | 2019 | |
| Price/Earnings (P/E) | 13.0 | 6.88 | 5.78 | |
| Price/Book Value (P/BV) | 1.55 | 1.23 | 1.13 | |
| Dividend Yield | % | 2.36 | 3.08 | ... |
| Earnings Per Share (EPS) | VND | 1,520 | 2,619 | 3,596 |
| Book Value Per Share | VND | 12,783 | 14,646 | 18,336 |
| Dividend Per Share | VND | 467 | 556 | ... |
Get all company financials in excel:
| summary | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||
| Net Interest Income | VND bil | 6,186 | 6,611 | 7,410 | 8,081 | 11,281 | |||||||||
| Total Revenues | VND bil | 7,915 | 8,757 | 9,756 | 10,613 | 16,483 | |||||||||
| Operating Profit | VND bil | 5,139 | 5,643 | 6,307 | 6,296 | 9,960 | |||||||||
| Net Profit | VND bil | 2,276 | 2,476 | 2,496 | 2,912 | 3,520 | |||||||||
| balance sheet | |||||||||||||||
| Interbank Loans | VND bil | 26,787 | 21,415 | 28,659 | 26,953 | 53,497 | |||||||||
| Customer Loans | VND bil | 85,973 | 98,106 | 119,372 | 148,687 | 182,062 | |||||||||
| Debt Securities | VND bil | ... | ... | 51,327 | 62,608 | 51,771 | 55,095 | 54,509 | |||||||
| Total Assets | VND bil | 180,381 | 200,489 | 221,042 | 256,258 | 313,878 | |||||||||
| Shareholders' Equity | VND bil | 15,707 | 17,148 | 23,183 | 26,588 | 29,601 | |||||||||
| Interbank Borrowing | VND bil | 19,164 | 2,496 | 6,894 | 24,486 | 47,765 | |||||||||
| Customer Deposits | VND bil | 136,089 | 167,609 | 181,645 | 194,849 | 220,176 | |||||||||
| Issued Debt Securities | VND bil | 4,437 | 4,333 | 4,715 | 2,816 | 6,504 | |||||||||
| ratios | |||||||||||||||
| ROE | % | ... | 15.6 | 15.1 | 12.4 | 11.7 | 12.5 | ||||||||
| ROA | % | ... | 1.28 | 1.30 | 1.18 | 1.22 | 1.23 | ||||||||
| Costs (As % Of Assets) | % | ... | 1.56 | 1.64 | 1.64 | 1.81 | 2.29 | ||||||||
| Costs (As % Of Income) | % | 35.1 | 35.6 | 35.4 | 40.7 | 39.6 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 11.0 | 10.1 | ... | 12.5 | 12.0 | ... | ... | ||
| Net Interest Margin | % | ... | 3.48 | 3.47 | 3.52 | 3.39 | 3.96 | ||||||||
| Interest Income (As % Of Revenues) | % | 78.2 | 75.5 | 76.0 | 76.1 | 68.4 | |||||||||
| Fee Income (As % Of Revenues) | % | 9.33 | 10.9 | 5.57 | 6.43 | 6.86 | |||||||||
| Staff Cost (As % Of Total Cost) | % | 45.7 | 48.1 | 48.1 | 52.4 | 49.1 | |||||||||
| Equity (As % Of Assets) | % | 8.71 | 8.55 | 10.5 | 10.4 | 9.43 | |||||||||
| Loans (As % Of Deposits) | % | 63.2 | 58.5 | 65.7 | 76.3 | 82.7 | |||||||||
| Loans (As % Assets) | % | 47.7 | 48.9 | 54.0 | 58.0 | 58.0 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | 2.45 | 2.73 | 1.61 | 1.32 | 1.20 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | 82.5 | 89.7 | 101 | 103 | 95.9 | |||||||
| valuation | |||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | 678 | 710 | 1,039 | 1,053 | 2,031 | ||||
| Number Of Shares (Average) | mil | 1,595 | 1,692 | 1,859 | 2,291 | 2,316 | |||||||||
| Share Price (End Of Period) | VND | ... | ... | ... | ... | ... | 8,449 | 8,976 | 10,304 | 10,375 | 19,764 | ||||
| Earnings Per Share (EPS) | VND | 1,427 | 1,464 | 1,342 | 1,271 | 1,520 | |||||||||
| Book Value Per Share | VND | 9,847 | 10,135 | 12,468 | 11,606 | 12,783 | |||||||||
| Dividend Per Share | VND | ... | ... | ... | 532 | 480 | ... | 445 | 467 | ... | |||||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | 5.92 | 6.13 | 7.68 | 8.16 | 13.0 | |||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | 0.858 | 0.886 | 0.826 | 0.894 | 1.55 | |||||
| Dividend Yield | % | ... | ... | ... | ... | ... | 6.30 | 5.34 | ... | 4.29 | 2.36 | ... | |||
| Earnings Per Share Growth | % | ... | -10.7 | 2.57 | -8.28 | -5.29 | 19.5 | ||||||||
| Book Value Per Share Growth | % | ... | 4.98 | 2.92 | 23.0 | -6.91 | 10.1 |
| income statement | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | |||||||||||||||
| Interest Income | VND bil | 13,518 | 13,220 | 13,629 | 15,655 | 19,934 | |||||||||
| Interest Cost | VND bil | 7,332 | 6,609 | 6,219 | 7,574 | 8,653 | |||||||||
| Net Interest Income | VND bil | 6,186 | 6,611 | 7,410 | 8,081 | 11,281 | |||||||||
| Net Fee Income | VND bil | 739 | 950 | 544 | 683 | 1,131 | |||||||||
| Other Income | VND bil | 989 | 1,196 | 1,802 | 1,849 | 4,071 | |||||||||
| Total Revenues | VND bil | 7,915 | 8,757 | 9,756 | 10,613 | 16,483 | |||||||||
| Staff Cost | VND bil | 1,268 | 1,497 | 1,660 | 2,262 | 3,204 | |||||||||
| Depreciation | VND bil | ... | ... | ... | 200 | 243 | 242 | 253 | 267 | ||||||
| Other Cost | VND bil | ... | ... | ... | 1,308 | 1,374 | 1,547 | 1,802 | 3,052 | ||||||
| Operating Cost | VND bil | 2,776 | 3,114 | 3,449 | 4,317 | 6,523 | |||||||||
| Operating Profit | VND bil | 5,139 | 5,643 | 6,307 | 6,296 | 9,960 | |||||||||
| Provisions | VND bil | 1,892 | 2,019 | 2,102 | 2,030 | 3,252 | |||||||||
| Extra and Other Cost | VND bil | 225 | 450 | 984 | 615 | 2,092 | |||||||||
| Pre-Tax Profit | VND bil | 3,022 | 3,174 | 3,221 | 3,651 | 4,616 | |||||||||
| Tax | VND bil | 736 | 671 | 709 | 767 | 1,125 | |||||||||
| Minorities | VND bil | 9.75 | 27.0 | 16.1 | -28.3 | -29.2 | |||||||||
| Net Profit | VND bil | 2,276 | 2,476 | 2,496 | 2,912 | 3,520 | |||||||||
| Dividends | VND bil | ... | ... | ... | 901 | 812 | ... | 1,028 | 1,089 | ... | |||||
| growth rates | |||||||||||||||
| Net Interest Income Growth | % | ... | -7.86 | 6.87 | 12.1 | 9.05 | 39.6 | ||||||||
| Net Fee Income Growth | % | ... | 0.826 | 28.6 | -42.8 | 25.5 | 65.6 | ||||||||
| Total Revenue Growth | % | ... | -0.659 | 10.6 | 11.4 | 8.79 | 55.3 | ||||||||
| Operating Cost Growth | % | ... | 2.94 | 12.2 | 10.8 | 25.2 | 51.1 | ||||||||
| Operating Profit Growth | % | ... | -2.50 | 9.81 | 11.8 | -0.173 | 58.2 | ||||||||
| Pre-Tax Profit Growth | % | ... | -2.20 | 5.04 | 1.47 | 13.3 | 26.4 | ||||||||
| Net Profit Growth | % | ... | -1.30 | 8.79 | 0.809 | 16.7 | 20.9 | ||||||||
| market share | |||||||||||||||
| Market Share in Revenues | % | ... | ... | 4.48 | 4.74 | 4.69 | 4.45 | ... | ... | ... | |||||
| Market Share in Net Profit | % | ... | ... | 7.58 | 14.5 | 8.01 | 7.07 | ... | ... | ... | |||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | |||||||||||||||
| Cash | VND bil | 4,650 | 7,301 | 9,418 | 11,522 | 8,526 | |||||||||
| Interbank Loans | VND bil | 26,787 | 21,415 | 28,659 | 26,953 | 53,497 | |||||||||
| Customer Loans | VND bil | 85,973 | 98,106 | 119,372 | 148,687 | 182,062 | |||||||||
| Retail Loans | VND bil | ... | ... | ... | 12,511 | 20,782 | 31,279 | 45,657 | 60,865 | ||||||
| Corporate Loans | VND bil | ... | ... | ... | 74,404 | 78,351 | 88,057 | 102,186 | 120,186 | ||||||
| Debt Securities | VND bil | ... | ... | 51,327 | 62,608 | 51,771 | 55,095 | 54,509 | |||||||
| Fixed Assets | VND bil | 1,545 | 1,620 | 1,577 | 2,374 | 2,444 | |||||||||
| Intangible Assets | VND bil | ... | ... | 293 | 308 | 354 | 169 | 236 | |||||||
| Goodwill | VND bil | ... | ... | ... | 0 | 0 | 0 | 84.8 | 75.4 | ||||||
| Total Assets | VND bil | 180,381 | 200,489 | 221,042 | 256,258 | 313,878 | |||||||||
| Shareholders' Equity | VND bil | 15,707 | 17,148 | 23,183 | 26,588 | 29,601 | |||||||||
| Of Which Minority Interest | VND bil | ... | 559 | 587 | 590 | 1,237 | 1,431 | ||||||||
| Liabilities | VND bil | 164,674 | 183,341 | 197,859 | 229,670 | 284,277 | |||||||||
| Interbank Borrowing | VND bil | 19,164 | 2,496 | 6,894 | 24,486 | 47,765 | |||||||||
| Customer Deposits | VND bil | 136,089 | 167,609 | 181,645 | 194,849 | 220,176 | |||||||||
| Sight Deposits | VND bil | 39,261 | 37,627 | 56,548 | 66,096 | 66,297 | |||||||||
| Term Deposits | VND bil | 73,131 | 99,647 | 106,992 | 118,571 | 132,801 | |||||||||
| Issued Debt Securities | VND bil | 4,437 | 4,333 | 4,715 | 2,816 | 6,504 | |||||||||
| Other Liabilities | VND bil | 4,984 | 8,903 | 4,605 | 7,520 | 9,832 | |||||||||
| asset quality | |||||||||||||||
| Non-Performing Loans | VND bil | ... | ... | 2,146 | 2,745 | 1,950 | 1,987 | 2,218 | |||||||
| Gross Loans | VND bil | ... | ... | 87,743 | 100,569 | 121,349 | 150,738 | 184,188 | |||||||
| Total Provisions | VND bil | ... | ... | 1,770 | 2,463 | 1,976 | 2,050 | 2,126 | |||||||
| growth rates | |||||||||||||||
| Customer Loan Growth | % | ... | 17.5 | 14.1 | 21.7 | 24.6 | 22.4 | ||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | 36.4 | 66.1 | 50.5 | 46.0 | 33.3 | |||||
| Corporate Loan Growth | % | ... | ... | ... | ... | 17.5 | 5.30 | 12.4 | 16.0 | 17.6 | |||||
| Total Asset Growth | % | ... | 2.72 | 11.1 | 10.3 | 15.9 | 22.5 | ||||||||
| Shareholders' Equity Growth | % | ... | 16.1 | 9.18 | 35.2 | 14.7 | 11.3 | ||||||||
| Customer Deposit Growth | % | ... | 14.6 | 23.2 | 8.37 | 7.27 | 13.0 | ||||||||
| market share | |||||||||||||||
| Market Share in Customer Loans | % | 2.85 | 2.94 | 2.97 | 3.07 | 3.15 | ... | ... | |||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | 2.47 | 2.35 | 2.19 | 2.11 | ... | ... | ... | |
| Market Share in Total Assets | % | 3.30 | 3.32 | 3.17 | 3.15 | 3.25 | ... | ... | |||||||
| Market Share in Customer Deposits | % | 3.69 | 3.92 | 3.60 | 3.28 | 3.23 | ... | ... |
| ratios | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | |||||||||||||||
| ROE | % | ... | 15.6 | 15.1 | 12.4 | 11.7 | 12.5 | ||||||||
| ROA | % | ... | 1.28 | 1.30 | 1.18 | 1.22 | 1.23 | ||||||||
| Costs (As % Of Assets) | % | ... | 1.56 | 1.64 | 1.64 | 1.81 | 2.29 | ||||||||
| Costs (As % Of Income) | % | 35.1 | 35.6 | 35.4 | 40.7 | 39.6 | |||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 11.0 | 10.1 | ... | 12.5 | 12.0 | ... | ... | ||
| Net Interest Margin | % | ... | 3.48 | 3.47 | 3.52 | 3.39 | 3.96 | ||||||||
| Interest Spread | % | ... | 3.11 | 3.14 | 3.20 | 3.02 | 3.63 | ||||||||
| Asset Yield | % | ... | 7.59 | 6.94 | 6.47 | 6.56 | 6.99 | ||||||||
| Cost Of Liabilities | % | ... | 4.49 | 3.80 | 3.26 | 3.54 | 3.37 | ||||||||
| Payout Ratio | % | ... | ... | ... | 39.6 | 32.8 | ... | 35.3 | 30.9 | ... | |||||
| Interest Income (As % Of Revenues) | % | 78.2 | 75.5 | 76.0 | 76.1 | 68.4 | |||||||||
| Fee Income (As % Of Revenues) | % | 9.33 | 10.9 | 5.57 | 6.43 | 6.86 | |||||||||
| Other Income (As % Of Revenues) | % | 12.5 | 13.7 | 18.5 | 17.4 | 24.7 | |||||||||
| Cost Per Employee | USD per month | ... | ... | ... | 820 | 846 | 819 | 803 | 910 | ||||||
| Cost Per Employee (Local Currency) | VND per month | ... | ... | ... | 17,236,500 | 17,973,000 | 17,713,900 | 17,687,800 | 20,388,300 | ||||||
| Staff Cost (As % Of Total Cost) | % | 45.7 | 48.1 | 48.1 | 52.4 | 49.1 | |||||||||
| Equity (As % Of Assets) | % | 8.71 | 8.55 | 10.5 | 10.4 | 9.43 | |||||||||
| Loans (As % Of Deposits) | % | 63.2 | 58.5 | 65.7 | 76.3 | 82.7 | |||||||||
| Loans (As % Assets) | % | 47.7 | 48.9 | 54.0 | 58.0 | 58.0 | |||||||||
| NPLs (As % Of Loans) | % | ... | ... | 2.45 | 2.73 | 1.61 | 1.32 | 1.20 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | 82.5 | 89.7 | 101 | 103 | 95.9 | |||||||
| Provisions (As % Of Loans) | % | ... | ... | 2.06 | 2.51 | 1.66 | 1.38 | 1.17 | |||||||
| Cost of Provisions (As % Of Loans) | % | ... | 2.38 | 2.19 | 1.93 | 1.51 | 1.97 |
| other data | Unit | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | |||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | 268 | 286 | ... | ... | ||
| Employees | ... | ... | ... | 6,128 | 6,939 | 7,810 | 10,656 | 13,094 | |||||||
| Sight (As % Of Customer Deposits) | % | 28.8 | 22.4 | 31.1 | 33.9 | 30.1 | |||||||||
| Return on Loans | % | 2.86 | 2.69 | 2.30 | 2.17 | 2.13 | |||||||||
| Operating Profit (As % of Loans) | % | ... | 6.46 | 6.13 | 5.80 | 4.70 | 6.02 | ||||||||
| Costs (As % Of Loans) | % | ... | 3.49 | 3.38 | 3.17 | 3.22 | 3.94 | ||||||||
| Equity (As % Of Loans) | % | 18.3 | 17.5 | 19.4 | 17.9 | 16.3 |
Get all company financials in excel:
By Helgi Library - March 4, 2020
MBBank's non-performing loans reached 1.13% of total loans at the end of 2019-12-31, down from 1.33% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.08% in 2014-06-30 and an all time low of 1.13% in 2019-12-31. Provision...
By Helgi Library - March 1, 2020
MBBank's net interest margin amounted to 4.85% in the fourth quarter of 2019, up from 4.60% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.85% in 4Q2019 and an all time low of 3.12% in 3...
By Helgi Library - March 1, 2020
MBBank's net interest margin amounted to 4.85% in the fourth quarter of 2019, up from 4.60% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.85% in 4Q2019 and an all time low of 3.12% in 3...
By Helgi Library - March 1, 2020
MBBank's customer deposits reached VND 194,849 bil in 2016-12-31, up 4.11% 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. MBBank accounted f...
By Helgi Library - March 1, 2020
MBBank's customer deposits reached VND 194,849 bil in 2016-12-31, up 4.11% 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. MBBank accounted f...
By Helgi Library - March 1, 2020
MBBank stock traded at VND 20,800 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 2,087 mil. Over the last five years, the stock has appreciated by 132 implying an annual average growth of 18.3% In absolute terms, th...
By Helgi Library - March 1, 2020
MBBank stock traded at VND 20,800 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 2,087 mil. Over the last five years, the stock has appreciated by 132 implying an annual average growth of 18.3% In absolute terms, th...
By Helgi Library - March 1, 2020
MBBank generated total banking revenues of VND 7,839 bil in the fourth quarter of 2019, down 2.49% when compared to the same period of last year and up 6.7% when compared to the previous quarter. Historically, the bank’s revenues containing of int...
By Helgi Library - March 1, 2020
MBBank generated total banking revenues of VND 7,839 bil in the fourth quarter of 2019, down 2.49% when compared to the same period of last year and up 6.7% when compared to the previous quarter. Historically, the bank’s revenues containing of int...
By Helgi Library - March 1, 2020
MBBank stock traded at VND 20,800 per share at the end fourth quarter of 2019 implying a market capitalization of USD 2,087 mil. Since the end of 4Q2014, the stock has appreciated by 132 % implying an annual average growth of 18.3 %. In absolute terms, the value of th...
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