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SHB Bank

SHB Bank's net profit rose 12.4% yoy to VND 651 bil in 4Q2019

By Helgi Library - March 1, 2020

SHB Bank made a net profit of VND 651 bil in the fourth quarter of 2019, up 12.4% when compared to the same period of last year. ...

SHB Bank's net profit rose 12.4% yoy to VND 651 bil in 4Q2019

By Helgi Library - March 1, 2020

SHB Bank made a net profit of VND 651 bil in the fourth quarter of 2019, up 12.4% when compared to the same period of last year. ...

SHB Bank's price/earnings (P/E) fell 19.7% yoy to 3.00 in 4Q2019

By Helgi Library - March 1, 2020

SHB Bank stock traded at VND 5,376 per share at the end fourth quarter of 2019 implying a market capitalization of USD 337 mil. Since t...

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Annual Quarterly LTM

Profit Statement		2017	2018	2019
Net Interest Income	VND bil	4,799	5,558	7,892
Net Fee Income	VND bil	1,457	714	694
Other Income	VND bil	479	700	1,145
Total Revenues	VND bil	6,736	6,972	9,731
Staff Cost	VND bil	1,566	1,836	2,307
Operating Profit	VND bil	3,883	3,628	5,636
Provisions	VND bil	1,889	1,425	2,369
Net Profit	VND bil	1,539	1,672	2,458

Balance Sheet		2017	2018	2019
Interbank Loans	VND bil	33,514	29,300	33,711
Customer Loans	VND bil	195,442	213,987	262,075
Total Assets	VND bil	286,010	323,276	365,643
Shareholders' Equity	VND bil	14,691	16,333	18,710
Interbank Borrowing	VND bil	67,361	64,496	51,760
Customer Deposits	VND bil	194,890	225,224	259,351
Issued Debt Securities	VND bil	4,429	10,844	26,733

Ratios		2017	2018	2019
ROE	%	11.0	10.8	14.0
ROA	%	0.584	0.549	0.714
Costs (As % Of Assets)	%	1.08	1.10	1.19
Costs (As % Of Income)	%	42.3	48.0	42.1
Capital Adequacy Ratio	%	11.3	...	...
Net Interest Margin	%	1.82	1.82	2.29
Loans (As % Of Deposits)	%	100	95.0	101
NPLs (As % Of Loans)	%	2.33	2.40	1.83
Provisions (As % Of NPLs)	%	61.6	57.7	64.4

Valuation		2017	2018	2019
Price/Earnings (P/E)		7.27	5.18	3.18
Price/Book Value (P/BV)		0.762	0.530	0.418
Dividend Yield	%	0	0	...
Earnings Per Share (EPS)	VND	984	1,150	1,690
Book Value Per Share	VND	9,395	11,228	12,863
Dividend Per Share	VND	0	0	...

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summary	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
income statement
Net Interest Income	VND bil									2,110	2,734	3,705	4,178	4,799
Total Revenues	VND bil									2,454	3,344	4,030	5,426	6,736
Operating Profit	VND bil									593	1,720	1,952	2,530	3,883
Net Profit	VND bil									850	791	795	913	1,539
balance sheet
Interbank Loans	VND bil	...	...							30,263	29,491	29,794	30,136	33,514
Customer Loans	VND bil									75,322	103,048	130,006	160,579	195,442
Debt Securities	VND bil									18,684	13,503	17,371	19,127	21,425
Total Assets	VND bil									143,626	169,036	204,704	240,753	286,010
Shareholders' Equity	VND bil									10,359	10,483	11,258	13,232	14,691
Interbank Borrowing	VND bil									20,685	28,143	28,146	53,583	67,361
Customer Deposits	VND bil									90,761	123,228	148,829	166,576	194,890
Issued Debt Securities	VND bil	...	...							19,505	4,887	12,899	3,680	4,429
ratios
ROE	%	...								8.55	7.59	7.31	7.46	11.0
ROA	%	...								0.653	0.506	0.425	0.410	0.584
Costs (As % Of Assets)	%	...								1.43	1.04	1.11	1.30	1.08
Costs (As % Of Income)	%									75.8	48.6	51.6	53.4	42.3
Capital Adequacy Ratio	%	...	...	...	...	...	...			12.4	11.3	11.4	13.0	11.3	...	...
Net Interest Margin	%	...								1.62	1.75	1.98	1.88	1.82
Interest Income (As % Of Revenues)	%									86.0	81.8	91.9	77.0	71.3
Fee Income (As % Of Revenues)	%	...	...	...	...	...	...			5.42	10.6	2.42	6.23	21.6
Staff Cost (As % Of Total Cost)	%									40.7	54.3	58.6	48.1	54.9
Equity (As % Of Assets)	%									7.21	6.20	5.50	5.50	5.14
Loans (As % Of Deposits)	%									83.0	83.6	87.4	96.4	100
Loans (As % Assets)	%									52.4	61.0	63.5	66.7	68.3
NPLs (As % Of Loans)	%	...	...	...						4.06	2.02	1.72	1.87	2.33
Provisions (As % Of NPLs)	%	...	...	...						38.3	49.7	62.8	59.0	61.6
valuation
Market Capitalisation (End Of Period)	USD mil	...	...	...	...					290	336	274	226	458
Number Of Shares (Average)	mil	...	...	...	...	...	...			1,325	1,325	1,275	1,325	1,564
Share Price (End Of Period)	VND	...	...	...	...					4,616	5,418	4,652	3,539	7,156
Earnings Per Share (EPS)	VND	...	...	...	...	...	...			641	597	624	689	984
Book Value Per Share	VND	...	...	...	...	...	...			7,820	7,915	8,833	9,986	9,395
Dividend Per Share	VND	...	...	...						502	0	0	0	0		...
Price/Earnings (P/E)		...	...	...	...	...	...			7.20	9.08	7.46	5.13	7.27
Price/Book Value (P/BV)		...	...	...	...	...	...			0.590	0.685	0.527	0.354	0.762
Dividend Yield	%	...	...	...	...					10.9	0	0	0	0		...
Earnings Per Share Growth	%	...	...	...	...	...	...	...		-55.3	-6.99	4.56	10.5	42.7
Book Value Per Share Growth	%	...								-3.24	1.21	11.6	13.1	-5.92

income statement	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
income statement
Interest Income	VND bil									9,181	10,321	12,000	14,571	18,223
Interest Cost	VND bil									7,071	7,587	8,296	10,393	13,424
Net Interest Income	VND bil									2,110	2,734	3,705	4,178	4,799
Net Fee Income	VND bil	...	...	...	...	...	...			133	354	97.4	338	1,457
Other Income	VND bil	...	...	...	...	...	...			211	257	228	910	479
Total Revenues	VND bil									2,454	3,344	4,030	5,426	6,736
Staff Cost	VND bil									758	883	1,217	1,394	1,566
Depreciation	VND bil	...	...	...	...	...	...	...	...	...	...	...	89.7	83.4
Other Cost	VND bil	...	...	...	...	...	...	...	...	...	...	...	1,413	1,203
Operating Cost	VND bil									1,861	1,624	2,079	2,896	2,852
Operating Profit	VND bil									593	1,720	1,952	2,530	3,883
Provisions	VND bil									-493	621	842	1,302	1,889
Extra and Other Cost	VND bil									86.3	86.7	92.6	71.7	69.3
Pre-Tax Profit	VND bil									1,000	1,012	1,017	1,156	1,925
Tax	VND bil									150	222	222	243	386
Minorities	VND bil									0.028	0.136	0.026	-0.187	0
Net Profit	VND bil									850	791	795	913	1,539
Dividends	VND bil	...	...	...						665	0	0	0	0		...
growth rates
Net Interest Income Growth	%	...								11.9	29.5	35.5	12.8	14.9
Net Fee Income Growth	%	...	...	...	...	...	...	...		-12.5	166	-72.4	247	331
Total Revenue Growth	%	...								-17.7	36.3	20.5	34.6	24.1
Operating Cost Growth	%	...								10.8	-12.7	28.0	39.3	-1.51
Operating Profit Growth	%	...								-54.4	190	13.5	29.6	53.5
Pre-Tax Profit Growth	%	...								-45.2	1.23	0.465	13.7	66.5
Net Profit Growth	%	...								-49.6	-6.96	0.572	14.9	68.5
market share
Market Share in Revenues	%	...	...	...						1.39	1.81	1.94	2.27	...	...	...
Market Share in Net Profit	%	...	...	...						2.83	4.62	2.55	2.22	...	...	...

balance sheet	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
balance sheet
Cash	VND bil									2,522	4,147	6,280	4,010	5,189
Interbank Loans	VND bil	...	...							30,263	29,491	29,794	30,136	33,514
Customer Loans	VND bil									75,322	103,048	130,006	160,579	195,442
Retail Loans	VND bil	...	...	...				...	...	...	...	...	30,332	38,821
Corporate Loans	VND bil	...	...	...						46,342	67,541	80,621	130,260	157,131
Debt Securities	VND bil									18,684	13,503	17,371	19,127	21,425
Fixed Assets	VND bil									406	384	361	3,897	3,906
Intangible Assets	VND bil	...	...							3,746	3,722	3,695	64.8	45.9
Goodwill	VND bil	...	...	...	...	...	...	...	...	0	0	3,695	0	0		...
Total Assets	VND bil									143,626	169,036	204,704	240,753	286,010
Shareholders' Equity	VND bil									10,359	10,483	11,258	13,232	14,691
Of Which Minority Interest	VND bil									2.78	2.91	2.72	2.31	0
Liabilities	VND bil									133,267	158,553	193,446	227,521	271,319
Interbank Borrowing	VND bil									20,685	28,143	28,146	53,583	67,361
Customer Deposits	VND bil									90,761	123,228	148,829	166,576	194,890
Sight Deposits	VND bil									8,555	12,380	20,302	19,061	17,753
Term Deposits	VND bil									81,891	109,780	127,844	146,323	176,153
Issued Debt Securities	VND bil	...	...							19,505	4,887	12,899	3,680	4,429
Other Liabilities	VND bil	...	...							2,316	2,295	3,573	3,682	4,639
asset quality
Non-Performing Loans	VND bil	...	...							3,104	2,108	2,263	3,044	4,624
Gross Loans	VND bil	...	...	...						76,510	104,096	131,427	162,376	198,291
Total Provisions	VND bil	...	...	...						1,188	1,047	1,421	1,797	2,849
growth rates
Customer Loan Growth	%	...								35.3	36.8	26.2	23.5	21.7
Retail Loan Growth	%	...	...	...	...			...	...	...	...	...	...	28.0
Corporate Loan Growth	%	...	...	...	...					48.6	45.7	19.4	61.6	20.6
Total Asset Growth	%	...								23.2	17.7	21.1	17.6	18.8
Shareholders' Equity Growth	%	...								8.94	1.20	7.39	17.5	11.0
Customer Deposit Growth	%	...								17.0	35.8	20.8	11.9	17.0
market share
Market Share in Customer Loans	%									2.50	3.08	3.23	3.32	3.38	...	...
Market Share in Corporate Loans	%	...	...	...	...	...	...	...		1.54	2.02	2.00	2.69	...	...	...
Market Share in Total Assets	%									2.63	2.80	2.93	2.96	2.96	...	...
Market Share in Customer Deposits	%									2.46	2.88	2.95	2.80	2.86	...	...

ratios	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
ratios
ROE	%	...								8.55	7.59	7.31	7.46	11.0
ROA	%	...								0.653	0.506	0.425	0.410	0.584
Costs (As % Of Assets)	%	...								1.43	1.04	1.11	1.30	1.08
Costs (As % Of Income)	%									75.8	48.6	51.6	53.4	42.3
Capital Adequacy Ratio	%	...	...	...	...	...	...			12.4	11.3	11.4	13.0	11.3	...	...
Net Interest Margin	%	...								1.62	1.75	1.98	1.88	1.82
Interest Spread	%	...								1.17	1.40	1.71	1.60	1.54
Asset Yield	%	...								7.06	6.60	6.42	6.54	6.92
Cost Of Liabilities	%	...								5.88	5.20	4.71	4.94	5.38
Payout Ratio	%	...	...	...						78.2	0	0	0	0		...
Interest Income (As % Of Revenues)	%									86.0	81.8	91.9	77.0	71.3
Fee Income (As % Of Revenues)	%	...	...	...	...	...	...			5.42	10.6	2.42	6.23	21.6
Other Income (As % Of Revenues)	%	...	...	...	...	...	...			8.59	7.68	5.66	16.8	7.12
Cost Per Employee	USD per month	...	...	...				...		601	624	771	830	938
Cost Per Employee (Local Currency)	VND per month	...	...	...				...		12,631,900	13,247,400	16,672,900	18,286,900	21,015,400
Staff Cost (As % Of Total Cost)	%									40.7	54.3	58.6	48.1	54.9
Equity (As % Of Assets)	%									7.21	6.20	5.50	5.50	5.14
Loans (As % Of Deposits)	%									83.0	83.6	87.4	96.4	100
Loans (As % Assets)	%									52.4	61.0	63.5	66.7	68.3
NPLs (As % Of Loans)	%	...	...	...						4.06	2.02	1.72	1.87	2.33
Provisions (As % Of NPLs)	%	...	...	...						38.3	49.7	62.8	59.0	61.6
Provisions (As % Of Loans)	%	...	...	...						1.58	1.02	1.09	1.12	1.46
Cost of Provisions (As % Of Loans)	%	...								-0.752	0.696	0.723	0.896	1.06

other data	Unit	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
other data
Branches		...	...	...	...	...	...	...	...	...	...	...	452	500	...	...
Employees		...	...	...				...		5,002	5,553	6,083	6,351	6,210
Sight (As % Of Customer Deposits)	%									9.43	10.0	13.6	11.4	9.11
Return on Loans	%									1.30	0.886	0.682	0.629	0.865
Operating Profit (As % of Loans)	%	...								0.906	1.93	1.67	1.74	2.18
Costs (As % Of Loans)	%	...								2.84	1.82	1.78	1.99	1.60
Equity (As % Of Loans)	%									13.8	10.2	8.66	8.24	7.52

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SHB Bank

SHB Bank's net profit rose 12.4% yoy to VND 651 bil in 4Q2019

SHB Bank's net profit rose 12.4% yoy to VND 651 bil in 4Q2019

SHB Bank's price/earnings (P/E) fell 19.7% yoy to 3.00 in 4Q2019

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SHB Bank's price/earnings (P/E) fell 19.7% yoy to 3.00 in 4Q2019

SHB Bank's customer deposits rose 11.9% yoy to VND 166,576 bil in 4Q2016

SHB Bank's customer deposits rose 11.9% yoy to VND 166,576 bil in 4Q2016

SHB Bank's npls (as % of loans) fell 23.6% yoy to 1.83% in 4Q2019

SHB Bank's npls (as % of loans) fell 23.6% yoy to 1.83% in 4Q2019

SHB Bank's net interest income rose 11.8% yoy to VND 2,482 bil in 4Q2019

SHB Bank's net interest income rose 11.8% yoy to VND 2,482 bil in 4Q2019

SHB Bank's net interest margin fell 3.69% yoy to 2.75% in 4Q2019

SHB Bank's net interest margin fell 3.69% yoy to 2.75% in 4Q2019

SHB Bank's market capitalisation (end of period) fell 9.58% yoy to USD 337 mil in 4Q2019

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