By Helgi Library - March 1, 2020
Sacombank's net interest margin amounted to 1.59% in the fourth quarter of 2019, down from 2.63% when compared to the previous q...
By Helgi Library - March 1, 2020
Sacombank's net interest margin amounted to 1.59% in the fourth quarter of 2019, down from 2.63% when compared to the previous q...
By Helgi Library - March 1, 2020
Sacombank's customer deposits reached VND 291,653 bil in 2016-12-31, up 2.19% compared to the previous year. Vietnamese banking...
| Profit Statement | 2017 | 2018 | 2019 | |
| Net Interest Income | VND bil | 5,294 | 7,637 | 9,210 |
| Net Fee Income | VND bil | 2,624 | 2,682 | 3,323 |
| Other Income | VND bil | 1,545 | 2,278 | 3,077 |
| Total Revenues | VND bil | 9,463 | 12,597 | 15,610 |
| Staff Cost | VND bil | 4,109 | 4,832 | 5,466 |
| Operating Profit | VND bil | 3,117 | 4,740 | 6,280 |
| Provisions | VND bil | 817 | 1,592 | 2,153 |
| Net Profit | VND bil | 1,176 | 1,639 | 1,998 |
| Balance Sheet | 2017 | 2018 | 2019 | |
| Interbank Loans | VND bil | 7,373 | 4,822 | 13,151 |
| Customer Loans | VND bil | 220,198 | 253,100 | 292,059 |
| Total Assets | VND bil | 368,469 | 406,041 | 453,581 |
| Shareholders' Equity | VND bil | 23,236 | 24,632 | 26,742 |
| Interbank Borrowing | VND bil | 11,848 | 11,849 | 3,225 |
| Customer Deposits | VND bil | 319,860 | 357,455 | 400,844 |
| Issued Debt Securities | VND bil | 6,725 | 832 | 10,116 |
| Ratios | 2017 | 2018 | 2019 | |
| ROE | % | 5.18 | 6.85 | 7.78 |
| ROA | % | 0.336 | 0.423 | 0.465 |
| Costs (As % Of Assets) | % | 1.81 | 2.03 | 2.17 |
| Costs (As % Of Income) | % | 67.1 | 62.4 | 59.8 |
| Capital Adequacy Ratio | % | 11.3 | ... | ... |
| Net Interest Margin | % | 1.51 | 1.97 | 2.14 |
| Loans (As % Of Deposits) | % | 68.8 | 70.8 | 72.9 |
| NPLs (As % Of Loans) | % | 4.67 | 2.13 | 1.94 |
| Provisions (As % Of NPLs) | % | 26.4 | 64.5 | 69.3 |
| Valuation | 2017 | 2018 | 2019 | |
| Price/Earnings (P/E) | 23.3 | 17.2 | 9.07 | |
| Price/Book Value (P/BV) | 0.997 | 0.875 | 0.678 | |
| Dividend Yield | % | 0 | 0 | ... |
| Earnings Per Share (EPS) | VND | 552 | 696 | 1,108 |
| Book Value Per Share | VND | 12,883 | 13,657 | 14,826 |
| Dividend Per Share | VND | 0 | 0 | ... |
Get all company financials in excel:
| summary | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | ||||||||||||||||
| Net Interest Income | VND bil | 6,800 | 6,619 | 6,588 | 4,053 | 5,294 | ||||||||||
| Total Revenues | VND bil | 8,125 | 8,804 | 8,878 | 7,224 | 9,463 | ||||||||||
| Operating Profit | VND bil | 3,884 | 4,284 | 3,704 | 1,535 | 3,117 | ||||||||||
| Net Profit | VND bil | 2,229 | 2,206 | 648 | 88.6 | 1,176 | ||||||||||
| balance sheet | ||||||||||||||||
| Interbank Loans | VND bil | 7,470 | 3,630 | 2,208 | 2,484 | 7,373 | ||||||||||
| Customer Loans | VND bil | 109,214 | 126,646 | 183,660 | 196,428 | 220,198 | ||||||||||
| Debt Securities | VND bil | 22,864 | 33,873 | 40,368 | 66,395 | 74,060 | ||||||||||
| Total Assets | VND bil | 161,378 | 189,803 | 292,033 | 332,023 | 368,469 | ||||||||||
| Shareholders' Equity | VND bil | 17,064 | 18,063 | 22,081 | 22,192 | 23,236 | ||||||||||
| Interbank Borrowing | VND bil | 5,751 | 4,424 | 2,689 | 11,407 | 11,848 | ||||||||||
| Customer Deposits | VND bil | 132,146 | 163,058 | 260,995 | 291,653 | 319,860 | ||||||||||
| Issued Debt Securities | VND bil | 3,662 | 1,102 | 2,059 | 1,882 | 6,725 | ||||||||||
| ratios | ||||||||||||||||
| ROE | % | ... | 14.5 | 12.6 | 3.23 | 0.400 | 5.18 | |||||||||
| ROA | % | ... | 1.42 | 1.26 | 0.269 | 0.028 | 0.336 | |||||||||
| Costs (As % Of Assets) | % | ... | 2.71 | 2.57 | 2.15 | 1.82 | 1.81 | |||||||||
| Costs (As % Of Income) | % | 52.2 | 51.3 | 58.3 | 78.8 | 67.1 | ||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 10.2 | 9.87 | 9.51 | 9.61 | 11.3 | ... | ... | |||
| Net Interest Margin | % | ... | 4.34 | 3.77 | 2.73 | 1.30 | 1.51 | |||||||||
| Interest Income (As % Of Revenues) | % | 83.7 | 75.2 | 74.2 | 56.1 | 56.0 | ||||||||||
| Fee Income (As % Of Revenues) | % | 11.7 | 10.8 | 13.2 | 19.8 | 27.7 | ||||||||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 53.0 | 57.0 | 55.2 | 54.7 | 64.7 | ||||||||
| Equity (As % Of Assets) | % | 10.6 | 9.52 | 7.56 | 6.68 | 6.31 | ||||||||||
| Loans (As % Of Deposits) | % | 82.6 | 77.7 | 70.4 | 67.3 | 68.8 | ||||||||||
| Loans (As % Assets) | % | 67.7 | 66.7 | 62.9 | 59.2 | 59.8 | ||||||||||
| NPLs (As % Of Loans) | % | 1.46 | 1.19 | 5.80 | 6.91 | 4.67 | ||||||||||
| Provisions (As % Of NPLs) | % | 84.0 | 89.9 | 20.9 | 17.7 | 26.4 | ||||||||||
| valuation | ||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | 932 | 962 | 1,051 | 749 | 1,021 | |||||||||
| Number Of Shares (Average) | mil | ... | ... | ... | ... | 1,462 | 1,623 | 1,459 | 1,804 | 1,804 | ||||||
| Share Price (End Of Period) | VND | ... | 13,231 | 13,846 | 13,100 | 9,450 | 12,850 | |||||||||
| Earnings Per Share (EPS) | VND | ... | ... | ... | ... | 1,525 | 1,360 | 444 | 49.1 | 552 | ||||||
| Book Value Per Share | VND | ... | ... | ... | ... | 11,674 | 11,132 | 15,139 | 12,304 | 12,883 | ||||||
| Dividend Per Share | VND | ... | ... | 615 | ... | 0 | 0 | 0 | ... | |||||||
| Price/Earnings (P/E) | ... | ... | ... | ... | 8.68 | 10.2 | 29.5 | 192 | 23.3 | |||||||
| Price/Book Value (P/BV) | ... | ... | ... | ... | 1.13 | 1.24 | 0.865 | 0.768 | 0.997 | |||||||
| Dividend Yield | % | ... | ... | 4.65 | ... | 0 | 0 | 0 | ... | |||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | 120 | -10.8 | -67.3 | -88.9 | 1,023 | ||||
| Book Value Per Share Growth | % | ... | 23.0 | -4.64 | 36.0 | -18.7 | 4.71 |
| income statement | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| income statement | ||||||||||||||||
| Interest Income | VND bil | 16,467 | 15,251 | 15,906 | 17,901 | 21,551 | ||||||||||
| Interest Cost | VND bil | 9,667 | 8,631 | 9,318 | 13,848 | 16,256 | ||||||||||
| Net Interest Income | VND bil | 6,800 | 6,619 | 6,588 | 4,053 | 5,294 | ||||||||||
| Net Fee Income | VND bil | 948 | 948 | 1,171 | 1,430 | 2,624 | ||||||||||
| Other Income | VND bil | 377 | 1,236 | 1,119 | 1,741 | 1,545 | ||||||||||
| Total Revenues | VND bil | 8,125 | 8,804 | 8,878 | 7,224 | 9,463 | ||||||||||
| Staff Cost | VND bil | ... | ... | 2,246 | 2,578 | 2,858 | 3,111 | 4,109 | ||||||||
| Depreciation | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | 288 | 288 | 333 | 392 | 381 | ... | |
| Other Cost | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | 1,707 | 1,654 | 1,984 | 2,186 | 1,855 | ... | |
| Operating Cost | VND bil | 4,241 | 4,520 | 5,175 | 5,689 | 6,345 | ||||||||||
| Operating Profit | VND bil | 3,884 | 4,284 | 3,704 | 1,535 | 3,117 | ||||||||||
| Provisions | VND bil | 435 | 963 | 2,256 | 696 | 817 | ||||||||||
| Extra and Other Cost | VND bil | 488 | 495 | 570 | 683 | 815 | ||||||||||
| Pre-Tax Profit | VND bil | 2,961 | 2,826 | 878 | 156 | 1,485 | ||||||||||
| Tax | VND bil | 732 | 620 | 230 | 67.0 | 309 | ||||||||||
| Minorities | VND bil | ... | ... | ... | -0.003 | -0.004 | 0 | 0 | 0 | |||||||
| Net Profit | VND bil | 2,229 | 2,206 | 648 | 88.6 | 1,176 | ||||||||||
| Dividends | VND bil | ... | ... | 914 | ... | 0 | 0 | 0 | ... | |||||||
| growth rates | ||||||||||||||||
| Net Interest Income Growth | % | ... | 6.02 | -2.66 | -0.474 | -38.5 | 30.6 | |||||||||
| Net Fee Income Growth | % | ... | 38.1 | 0.062 | 23.5 | 22.1 | 83.5 | |||||||||
| Total Revenue Growth | % | ... | 6.40 | 8.36 | 0.846 | -18.6 | 31.0 | |||||||||
| Operating Cost Growth | % | ... | -2.07 | 6.56 | 14.5 | 9.94 | 11.5 | |||||||||
| Operating Profit Growth | % | ... | 17.5 | 10.3 | -13.6 | -58.6 | 103 | |||||||||
| Pre-Tax Profit Growth | % | ... | 116 | -4.54 | -68.9 | -82.3 | 855 | |||||||||
| Net Profit Growth | % | ... | 122 | -1.02 | -70.6 | -86.3 | 1,228 | |||||||||
| market share | ||||||||||||||||
| Market Share in Revenues | % | ... | ... | ... | 4.60 | 4.76 | 4.26 | 3.03 | ... | ... | ... | |||||
| Market Share in Net Profit | % | ... | ... | ... | 7.42 | 12.9 | 2.08 | 0.215 | ... | ... | ... |
| balance sheet | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| balance sheet | ||||||||||||||||
| Cash | VND bil | 7,529 | 9,106 | 14,084 | 14,827 | 9,215 | ||||||||||
| Interbank Loans | VND bil | 7,470 | 3,630 | 2,208 | 2,484 | 7,373 | ||||||||||
| Customer Loans | VND bil | 109,214 | 126,646 | 183,660 | 196,428 | 220,198 | ||||||||||
| Retail Loans | VND bil | ... | ... | ... | 44,010 | 56,976 | 89,681 | 104,075 | 130,864 | ... | ||||||
| Corporate Loans | VND bil | ... | ... | ... | 66,355 | 70,764 | 95,604 | 94,251 | 91,244 | ... | ||||||
| Debt Securities | VND bil | 22,864 | 33,873 | 40,368 | 66,395 | 74,060 | ||||||||||
| Fixed Assets | VND bil | 5,119 | 5,051 | 7,763 | 7,756 | 7,911 | ||||||||||
| Intangible Assets | VND bil | 205 | 163 | 204 | 193 | 190 | ||||||||||
| Goodwill | VND bil | ... | ... | ... | ... | 17.2 | 15.1 | 0 | 0 | 0 | ||||||
| Total Assets | VND bil | 161,378 | 189,803 | 292,033 | 332,023 | 368,469 | ||||||||||
| Shareholders' Equity | VND bil | 17,064 | 18,063 | 22,081 | 22,192 | 23,236 | ||||||||||
| Of Which Minority Interest | VND bil | 0.008 | 0.004 | 0 | 0 | 0 | ||||||||||
| Liabilities | VND bil | 144,314 | 171,739 | 269,952 | 309,831 | 345,233 | ||||||||||
| Interbank Borrowing | VND bil | 5,751 | 4,424 | 2,689 | 11,407 | 11,848 | ||||||||||
| Customer Deposits | VND bil | 132,146 | 163,058 | 260,995 | 291,653 | 319,860 | ||||||||||
| Sight Deposits | VND bil | 18,196 | 24,333 | 33,216 | 38,585 | 44,371 | ||||||||||
| Term Deposits | VND bil | 113,108 | 137,901 | 227,024 | 252,335 | 274,534 | ||||||||||
| Issued Debt Securities | VND bil | 3,662 | 1,102 | 2,059 | 1,882 | 6,725 | ||||||||||
| Other Liabilities | VND bil | 2,756 | 3,155 | 4,210 | 4,889 | 6,800 | ||||||||||
| asset quality | ||||||||||||||||
| Non-Performing Loans | VND bil | 1,610 | 1,523 | 10,778 | 13,745 | 10,405 | ||||||||||
| Gross Loans | VND bil | 110,566 | 128,015 | 185,917 | 198,860 | 222,947 | ||||||||||
| Total Provisions | VND bil | 1,352 | 1,369 | 2,257 | 2,432 | 2,749 | ||||||||||
| growth rates | ||||||||||||||||
| Customer Loan Growth | % | ... | 15.1 | 16.0 | 45.0 | 6.95 | 12.1 | |||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | 29.5 | 57.4 | 16.1 | 25.7 | ... | ||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | 6.65 | 35.1 | -1.42 | -3.19 | ... | ||||
| Total Asset Growth | % | ... | 6.09 | 17.6 | 53.9 | 13.7 | 11.0 | |||||||||
| Shareholders' Equity Growth | % | ... | 24.6 | 5.86 | 22.2 | 0.505 | 4.71 | |||||||||
| Customer Deposit Growth | % | ... | 23.0 | 23.4 | 60.1 | 11.7 | 9.67 | |||||||||
| market share | ||||||||||||||||
| Market Share in Customer Loans | % | 3.63 | 3.79 | 4.57 | 4.06 | 3.81 | ... | ... | ||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 2.20 | 2.12 | 2.38 | 1.95 | ... | ... | ... |
| Market Share in Total Assets | % | 2.95 | 3.15 | 4.18 | 4.09 | 3.81 | ... | ... | ||||||||
| Market Share in Customer Deposits | % | 3.58 | 3.81 | 5.17 | 4.91 | 4.70 | ... | ... |
| ratios | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| ratios | ||||||||||||||||
| ROE | % | ... | 14.5 | 12.6 | 3.23 | 0.400 | 5.18 | |||||||||
| ROA | % | ... | 1.42 | 1.26 | 0.269 | 0.028 | 0.336 | |||||||||
| Costs (As % Of Assets) | % | ... | 2.71 | 2.57 | 2.15 | 1.82 | 1.81 | |||||||||
| Costs (As % Of Income) | % | 52.2 | 51.3 | 58.3 | 78.8 | 67.1 | ||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | 10.2 | 9.87 | 9.51 | 9.61 | 11.3 | ... | ... | |||
| Net Interest Margin | % | ... | 4.34 | 3.77 | 2.73 | 1.30 | 1.51 | |||||||||
| Interest Spread | % | ... | 3.67 | 3.22 | 2.38 | 0.960 | 1.19 | |||||||||
| Asset Yield | % | ... | 10.5 | 8.69 | 6.60 | 5.74 | 6.15 | |||||||||
| Cost Of Liabilities | % | ... | 6.84 | 5.46 | 4.22 | 4.78 | 4.96 | |||||||||
| Payout Ratio | % | ... | ... | 41.0 | ... | 0 | 0 | 0 | ... | |||||||
| Interest Income (As % Of Revenues) | % | 83.7 | 75.2 | 74.2 | 56.1 | 56.0 | ||||||||||
| Fee Income (As % Of Revenues) | % | 11.7 | 10.8 | 13.2 | 19.8 | 27.7 | ||||||||||
| Other Income (As % Of Revenues) | % | 4.64 | 14.0 | 12.6 | 24.1 | 16.3 | ||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 764 | 802 | 668 | 689 | 825 | |||||
| Cost Per Employee (Local Currency) | VND per month | ... | ... | ... | ... | ... | 16,050,700 | 17,036,700 | 14,448,000 | 15,178,000 | 18,472,200 | |||||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 53.0 | 57.0 | 55.2 | 54.7 | 64.7 | ||||||||
| Equity (As % Of Assets) | % | 10.6 | 9.52 | 7.56 | 6.68 | 6.31 | ||||||||||
| Loans (As % Of Deposits) | % | 82.6 | 77.7 | 70.4 | 67.3 | 68.8 | ||||||||||
| Loans (As % Assets) | % | 67.7 | 66.7 | 62.9 | 59.2 | 59.8 | ||||||||||
| NPLs (As % Of Loans) | % | 1.46 | 1.19 | 5.80 | 6.91 | 4.67 | ||||||||||
| Provisions (As % Of NPLs) | % | 84.0 | 89.9 | 20.9 | 17.7 | 26.4 | ||||||||||
| Provisions (As % Of Loans) | % | 1.24 | 1.08 | 1.23 | 1.24 | 1.25 | ||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 0.426 | 0.816 | 1.45 | 0.366 | 0.392 |
| other data | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| other data | ||||||||||||||||
| Employees | ... | ... | ... | ... | 11,662 | 12,608 | 16,485 | 17,079 | 18,535 | |||||||
| Sight (As % Of Customer Deposits) | % | 13.8 | 14.9 | 12.7 | 13.2 | 13.9 | ||||||||||
| Return on Loans | % | 2.18 | 1.87 | 0.418 | 0.047 | 0.565 | ||||||||||
| Operating Profit (As % of Loans) | % | ... | 3.81 | 3.63 | 2.39 | 0.808 | 1.50 | |||||||||
| Costs (As % Of Loans) | % | ... | 4.16 | 3.83 | 3.34 | 2.99 | 3.05 | |||||||||
| Equity (As % Of Loans) | % | 15.6 | 14.3 | 12.0 | 11.3 | 10.6 |
Get all company financials in excel:
By Helgi Library - March 1, 2020
Sacombank's customer deposits reached VND 291,653 bil in 2016-12-31, up 2.19% 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. Sacombank accou...
By Helgi Library - March 4, 2020
Sacombank's non-performing loans reached 1.94% of total loans at the end of 2019-12-31, down from 2.13% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.48% in 2016-06-30 and an all time low of 0.519% in 2010-09-30. Provi...
By Helgi Library - March 4, 2020
Sacombank's non-performing loans reached 1.94% of total loans at the end of 2019-12-31, down from 2.13% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.48% in 2016-06-30 and an all time low of 0.519% in 2010-09-30. Provi...
By Helgi Library - March 1, 2020
Sacombank made a net profit of VND 532 bil in the fourth quarter of 2019, down 33.4% when compared to the same period of last year. This implies a return on equity of 8.03%. Historically, the bank’s net profit reached an all time high of VND 844 bil in 1Q2019 and...
By Helgi Library - March 1, 2020
Sacombank made a net profit of VND 532 bil in the fourth quarter of 2019, down 33.4% when compared to the same period of last year. This implies a return on equity of 8.03%. Historically, the bank’s net profit reached an all time high of VND 844 bil in 1Q2019 and...
By Helgi Library - March 1, 2020
Sacombank stock traded at VND 10,050 per share at the end fourth quarter of 2019 implying a market capitalization of USD 782 mil. Since the end of 4Q2014, the stock has depreciated by -27.4 % implying an annual average growth of -6.21 %. In absolute terms, the value o...
By Helgi Library - March 1, 2020
Sacombank stock traded at VND 10,050 per share at the end fourth quarter of 2019 implying a market capitalization of USD 782 mil. Since the end of 4Q2014, the stock has depreciated by -27.4 % implying an annual average growth of -6.21 %. In absolute terms, the value o...
By Helgi Library - March 1, 2020
Sacombank stock traded at VND 10,050 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 782 mil. Over the last five years, the stock has depreciated by 27.4 implying an annual average growth of -6.21% In absolute terms,...
By Helgi Library - March 1, 2020
Sacombank stock traded at VND 10,050 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 782 mil. Over the last five years, the stock has depreciated by 27.4 implying an annual average growth of -6.21% In absolute terms,...
By Helgi Library - March 1, 2020
Sacombank generated total banking revenues of VND 4,216 bil in the fourth quarter of 2019, up 5.14% when compared to the same period of last year and down 5.18% when compared to the previous quarter. Historically, the bank’s revenues containing of...
Helgi Library 
