By Helgi Library - March 1, 2020
TPBank made a net profit of VND 1,171 bil under revenues of VND 2,951 bil in the fourth quarter of 2019, up 127% and 78.4% ...
By Helgi Library - March 1, 2020
TPBank made a net profit of VND 1,171 bil under revenues of VND 2,951 bil in the fourth quarter of 2019, up 127% and 78.4% ...
By Helgi Library - March 1, 2020
TPBank stock traded at VND 21,050 per share at the end fourth quarter of 2019 implying a market capitalization of USD 751 mil. Since th...
| Profit Statement | Jun 2019 | Sep 2019 | Dec 2019 | |
| Net Interest Income | VND bil | 1,408 | 1,442 | 1,503 |
| Net Fee Income | VND bil | 269 | 272 | 315 |
| Other Income | VND bil | 323 | 351 | 1,133 |
| Total Revenues | VND bil | 1,999 | 2,066 | 2,951 |
| Staff Cost | VND bil | 443 | 386 | 542 |
| Operating Profit | VND bil | 1,187 | 1,308 | 1,901 |
| Provisions | VND bil | 359 | 449 | 339 |
| Net Profit | VND bil | 613 | 627 | 1,171 |
| Balance Sheet | Jun 2019 | Sep 2019 | Dec 2019 | |
| Interbank Loans | VND bil | 17,088 | 21,379 | 21,024 |
| Customer Loans | VND bil | 87,834 | 91,828 | 94,435 |
| Total Assets | VND bil | 145,716 | 153,930 | 164,594 |
| Shareholders' Equity | VND bil | 11,282 | 11,909 | 13,075 |
| Interbank Borrowing | VND bil | 40,974 | 43,895 | 49,329 |
| Customer Deposits | VND bil | 80,874 | 85,596 | 92,440 |
| Issued Debt Securities | VND bil | 9,719 | 9,857 | 6,845 |
| Ratios | Jun 2019 | Sep 2019 | Dec 2019 | |
| ROE | % | 21.7 | 21.6 | 37.5 |
| ROA | % | 1.72 | 1.67 | 2.94 |
| Costs (As % Of Assets) | % | 2.27 | 2.02 | 2.64 |
| Costs (As % Of Income) | % | 40.6 | 36.7 | 35.6 |
| Net Interest Margin | % | 3.94 | 3.85 | 3.78 |
| Loans (As % Of Deposits) | % | 109 | 107 | 102 |
| NPLs (As % Of Loans) | % | 1.50 | 1.51 | 1.29 |
| Provisions (As % Of NPLs) | % | 84.1 | 80.1 | 97.8 |
| Valuation | Jun 2019 | Sep 2019 | Dec 2019 | |
| Price/Earnings (P/E) | 7.92 | 7.38 | 3.71 | |
| Price/Book Value (P/BV) | 1.72 | 1.55 | 1.33 | |
| Earnings Per Share (EPS) | VND | 2,886 | 3,036 | 5,668 |
| Book Value Per Share | VND | 13,276 | 14,408 | 15,818 |
Get all company financials in excel:
| summary | Unit | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 |
| income statement | |||||||||||
| Net Interest Income | VND bil | 1,065 | 1,120 | 1,260 | 1,284 | 1,408 | |||||
| Total Revenues | VND bil | 1,503 | 1,450 | 1,654 | 1,968 | 1,999 | |||||
| Operating Profit | VND bil | 858 | 720 | 783 | 1,066 | 1,187 | |||||
| Net Profit | VND bil | 409 | 471 | 516 | 682 | 613 | |||||
| balance sheet | |||||||||||
| Interbank Loans | VND bil | 15,737 | 17,487 | 16,341 | 19,121 | 17,088 | |||||
| Customer Loans | VND bil | 72,916 | 72,900 | 76,295 | 83,680 | 87,834 | |||||
| Debt Securities | VND bil | 23,532 | 24,897 | 26,165 | 22,160 | 25,143 | |||||
| Total Assets | VND bil | 126,533 | 126,912 | 136,179 | 139,944 | 145,716 | |||||
| Shareholders' Equity | VND bil | 9,656 | 10,202 | 10,622 | 11,343 | 11,282 | |||||
| Interbank Borrowing | VND bil | 34,043 | 38,555 | 38,614 | 42,927 | 40,974 | |||||
| Customer Deposits | VND bil | 75,170 | 70,159 | 76,138 | 77,913 | 80,874 | |||||
| Issued Debt Securities | VND bil | 5,986 | 5,823 | 8,592 | 5,403 | 9,719 | |||||
| ratios | |||||||||||
| ROE | % | ... | 19.3 | 19.0 | 19.8 | 24.8 | 21.7 | ||||
| ROA | % | ... | 1.32 | 1.49 | 1.57 | 1.98 | 1.72 | ||||
| Costs (As % Of Assets) | % | ... | 2.08 | 2.30 | 2.65 | 2.61 | 2.27 | ||||
| Costs (As % Of Income) | % | 42.9 | 50.3 | 52.7 | 45.8 | 40.6 | |||||
| Net Interest Margin | % | ... | 3.44 | 3.53 | 3.83 | 3.72 | 3.94 | ||||
| Interest Income (As % Of Revenues) | % | 70.8 | 77.2 | 76.2 | 65.2 | 70.4 | |||||
| Fee Income (As % Of Revenues) | % | 11.3 | 13.5 | 14.3 | 11.0 | 13.4 | |||||
| Staff Cost (As % Of Total Cost) | % | 59.0 | 51.1 | 42.1 | 61.6 | 54.5 | |||||
| Equity (As % Of Assets) | % | 7.63 | 8.04 | 7.80 | 8.11 | 7.74 | |||||
| Loans (As % Of Deposits) | % | 97.0 | 104 | 100 | 107 | 109 | |||||
| Loans (As % Assets) | % | 57.6 | 57.4 | 56.0 | 59.8 | 60.3 | |||||
| NPLs (As % Of Loans) | % | 1.17 | 1.24 | 1.12 | 1.39 | 1.50 | |||||
| Provisions (As % Of NPLs) | % | 99.1 | 99.1 | 103 | 88.8 | 84.1 | |||||
| valuation | |||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | 798 | 748 | 731 | 779 | 811 | ||
| Number Of Shares (Average) | mil | 736 | 853 | 853 | 851 | 850 | |||||
| Share Price (End Of Period) | VND | ... | ... | ... | 21,465 | 20,450 | 19,950 | 21,250 | 22,850 | ||
| Earnings Per Share (EPS) | VND | 2,223 | 2,207 | 2,418 | 3,208 | 2,886 | |||||
| Book Value Per Share | VND | 13,127 | 11,960 | 12,452 | 13,335 | 13,276 | |||||
| Price/Earnings (P/E) | ... | ... | ... | 9.66 | 9.27 | 8.25 | 6.62 | 7.92 | |||
| Price/Book Value (P/BV) | ... | ... | ... | 1.64 | 1.71 | 1.60 | 1.59 | 1.72 | |||
| Earnings Per Share Growth | % | ... | ... | ... | ... | 65.4 | 23.8 | 37.5 | 29.9 | ||
| Book Value Per Share Growth | % | ... | ... | ... | ... | 30.5 | 31.2 | 28.9 | 1.13 |
| income statement | Unit | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 |
| income statement | |||||||||||
| Interest Income | VND bil | 2,295 | 2,356 | 2,561 | 2,709 | 2,908 | |||||
| Interest Cost | VND bil | 1,230 | 1,237 | 1,301 | 1,425 | 1,500 | |||||
| Net Interest Income | VND bil | 1,065 | 1,120 | 1,260 | 1,284 | 1,408 | |||||
| Net Fee Income | VND bil | 170 | 195 | 236 | 217 | 269 | |||||
| Other Income | VND bil | 268 | 136 | 157 | 467 | 323 | |||||
| Total Revenues | VND bil | 1,503 | 1,450 | 1,654 | 1,968 | 1,999 | |||||
| Staff Cost | VND bil | 380 | 373 | 367 | 556 | 443 | |||||
| Depreciation | VND bil | 13.9 | 15.8 | 17.7 | 22.9 | 19.0 | |||||
| Other Cost | VND bil | 251 | 341 | 487 | 323 | 350 | |||||
| Operating Cost | VND bil | 645 | 730 | 872 | 901 | 812 | |||||
| Operating Profit | VND bil | 858 | 720 | 783 | 1,066 | 1,187 | |||||
| Provisions | VND bil | 308 | 70.2 | 77.4 | 155 | 359 | |||||
| Extra and Other Cost | VND bil | 38.6 | 60.8 | 60.8 | 58.5 | 61.4 | |||||
| Pre-Tax Profit | VND bil | 512 | 589 | 644 | 853 | 767 | |||||
| Tax | VND bil | 103 | 119 | 129 | 171 | 154 | |||||
| Minorities | VND bil | 0 | 0 | 0 | 0 | 0 | |||||
| Net Profit | VND bil | 409 | 471 | 516 | 682 | 613 | |||||
| growth rates | |||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | 24.3 | 30.1 | 37.6 | 32.2 | ||
| Net Fee Income Growth | % | ... | ... | ... | ... | 315 | 507 | 190 | 58.1 | ||
| Total Revenue Growth | % | ... | ... | ... | ... | 42.6 | 40.9 | 61.6 | 33.0 | ||
| Operating Cost Growth | % | ... | ... | ... | ... | 61.5 | 24.2 | 47.9 | 25.9 | ||
| Operating Profit Growth | % | ... | ... | ... | ... | 27.5 | 65.7 | 75.3 | 38.4 | ||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | 81.9 | 61.6 | 66.3 | 49.9 | ||
| Net Profit Growth | % | ... | ... | ... | ... | 101 | 50.1 | 66.3 | 50.0 |
| balance sheet | Unit | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 |
| balance sheet | |||||||||||
| Cash | VND bil | 6,779 | 2,493 | 6,025 | 6,227 | 7,331 | |||||
| Interbank Loans | VND bil | 15,737 | 17,487 | 16,341 | 19,121 | 17,088 | |||||
| Customer Loans | VND bil | 72,916 | 72,900 | 76,295 | 83,680 | 87,834 | |||||
| Retail Loans | VND bil | ... | ... | ... | 34,174 | ... | ... | ... | ... | ... | ... |
| Corporate Loans | VND bil | ... | ... | ... | 39,316 | ... | ... | ... | ... | ... | ... |
| Debt Securities | VND bil | 23,532 | 24,897 | 26,165 | 22,160 | 25,143 | |||||
| Fixed Assets | VND bil | 190 | 177 | 203 | 256 | 239 | |||||
| Total Assets | VND bil | 126,533 | 126,912 | 136,179 | 139,944 | 145,716 | |||||
| Shareholders' Equity | VND bil | 9,656 | 10,202 | 10,622 | 11,343 | 11,282 | |||||
| Of Which Minority Interest | VND bil | 0 | 0 | 0 | 0 | 0 | |||||
| Liabilities | VND bil | 116,877 | 116,710 | 125,558 | 128,602 | 134,434 | |||||
| Interbank Borrowing | VND bil | 34,043 | 38,555 | 38,614 | 42,927 | 40,974 | |||||
| Customer Deposits | VND bil | 75,170 | 70,159 | 76,138 | 77,913 | 80,874 | |||||
| Sight Deposits | VND bil | 10,806 | 9,430 | 13,826 | 12,488 | 13,875 | |||||
| Term Deposits | VND bil | 63,810 | 59,993 | 61,575 | 64,798 | 66,333 | |||||
| Issued Debt Securities | VND bil | 5,986 | 5,823 | 8,592 | 5,403 | 9,719 | |||||
| asset quality | |||||||||||
| Non-Performing Loans | VND bil | 863 | 915 | 861 | 1,175 | 1,336 | |||||
| Gross Loans | VND bil | 73,770 | 73,806 | 77,185 | 84,724 | 88,957 | |||||
| Total Provisions | VND bil | 855 | 906 | 890 | 1,044 | 1,124 | |||||
| growth rates | |||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | 29.9 | 21.6 | 21.2 | 20.5 | ||
| Total Asset Growth | % | ... | ... | ... | ... | 10.9 | 9.72 | 15.5 | 15.2 | ||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | 58.7 | 59.1 | 55.8 | 16.8 | ||
| Customer Deposit Growth | % | ... | ... | ... | ... | 19.1 | 8.31 | 6.55 | 7.59 | ||
| market share | |||||||||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | ... |
| ratios | Unit | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 |
| ratios | |||||||||||
| ROE | % | ... | 19.3 | 19.0 | 19.8 | 24.8 | 21.7 | ||||
| ROA | % | ... | 1.32 | 1.49 | 1.57 | 1.98 | 1.72 | ||||
| Costs (As % Of Assets) | % | ... | 2.08 | 2.30 | 2.65 | 2.61 | 2.27 | ||||
| Costs (As % Of Income) | % | 42.9 | 50.3 | 52.7 | 45.8 | 40.6 | |||||
| Net Interest Margin | % | ... | 3.44 | 3.53 | 3.83 | 3.72 | 3.94 | ||||
| Interest Spread | % | ... | 3.15 | 3.20 | 3.49 | 3.36 | 3.58 | ||||
| Asset Yield | % | ... | 7.41 | 7.44 | 7.79 | 7.85 | 8.14 | ||||
| Cost Of Liabilities | % | ... | 4.26 | 4.24 | 4.30 | 4.49 | 4.56 | ||||
| Interest Income (As % Of Revenues) | % | 70.8 | 77.2 | 76.2 | 65.2 | 70.4 | |||||
| Fee Income (As % Of Revenues) | % | 11.3 | 13.5 | 14.3 | 11.0 | 13.4 | |||||
| Other Income (As % Of Revenues) | % | 17.8 | 9.35 | 9.51 | 23.7 | 16.1 | |||||
| Cost Per Employee | USD per month | ... | ... | 1,161 | 1,162 | 1,077 | ... | 1,241 | ... | ||
| Cost Per Employee (Local Currency) | VND per month | ... | ... | 26,182,800 | 26,355,900 | 24,523,000 | ... | 28,576,900 | ... | ||
| Staff Cost (As % Of Total Cost) | % | 59.0 | 51.1 | 42.1 | 61.6 | 54.5 | |||||
| Equity (As % Of Assets) | % | 7.63 | 8.04 | 7.80 | 8.11 | 7.74 | |||||
| Loans (As % Of Deposits) | % | 97.0 | 104 | 100 | 107 | 109 | |||||
| Loans (As % Assets) | % | 57.6 | 57.4 | 56.0 | 59.8 | 60.3 | |||||
| NPLs (As % Of Loans) | % | 1.17 | 1.24 | 1.12 | 1.39 | 1.50 | |||||
| Provisions (As % Of NPLs) | % | 99.1 | 99.1 | 103 | 88.8 | 84.1 | |||||
| Provisions (As % Of Loans) | % | 1.17 | 1.24 | 1.17 | 1.25 | 1.28 | |||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.73 | 0.385 | 0.415 | 0.775 | 1.67 |
| other data | Unit | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 |
| other data | |||||||||||
| Employees | ... | ... | 4,844 | 4,721 | 4,985 | ... | 5,164 | ... | |||
| Sight (As % Of Customer Deposits) | % | 14.4 | 13.4 | 18.2 | 16.0 | 17.2 | |||||
| Return on Loans | % | ... | 1.97 | 2.24 | 2.42 | 2.60 | 2.66 | ||||
| Operating Profit (As % of Loans) | % | ... | ... | ... | 3.53 | 3.65 | 3.98 | 4.28 | 4.38 | ||
| Costs (As % Of Loans) | % | ... | 3.69 | 3.87 | 3.92 | 4.12 | 4.14 | ||||
| Equity (As % Of Loans) | % | 13.2 | 14.0 | 13.9 | 13.6 | 12.8 |
Get all company financials in excel:
By Helgi Library - March 1, 2020
TPBank stock traded at VND 21,050 per share at the end fourth quarter of 2019 implying a market capitalization of USD 751 mil. Since the end of 4Q2014, the stock has appreciated by % implying an annual average growth of 0 %. In absolute terms, the value of the compan...
By Helgi Library - March 1, 2020
TPBank's non-performing loans reached 1.29% of total loans at the end of 2019-12-31, up from 1.12% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.51% in 2019-09-30 and an all time low of 1.09% in 2017-12-31. Provision c...
By Helgi Library - March 1, 2020
TPBank's non-performing loans reached 1.29% of total loans at the end of 2019-12-31, up from 1.12% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.51% in 2019-09-30 and an all time low of 1.09% in 2017-12-31. Provision c...
By Helgi Library - March 1, 2020
TPBank's net interest margin amounted to 3.78% in the fourth quarter of 2019, down from 3.85% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.94% in 2Q2019 and an all time low of 3.04% in...
By Helgi Library - March 1, 2020
TPBank's net interest margin amounted to 3.78% in the fourth quarter of 2019, down from 3.85% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.94% in 2Q2019 and an all time low of 3.04% in...
By Helgi Library - March 1, 2020
TPBank generated total banking revenues of VND 2,951 bil in the fourth quarter of 2019, up 78.4% when compared to the same period of last year and 42.9% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee a...
By Helgi Library - March 1, 2020
TPBank stock traded at VND 21,050 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 751 mil. Over the last five years, the stock has appreciated by 0 implying an annual average growth of 0% In absolute terms, the value...
By Helgi Library - March 1, 2020
TPBank stock traded at VND 21,050 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 751 mil. Over the last five years, the stock has appreciated by 0 implying an annual average growth of 0% In absolute terms, the value...
By Helgi Library - March 1, 2020
TPBank generated total banking revenues of VND 2,951 bil in the fourth quarter of 2019, up 78.4% when compared to the same period of last year and 42.9% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee a...
By Helgi Library - March 1, 2020
TPBank's customer loan growth reached 23.8% in 2019-12-31, up from 21.6% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 29.9% in 2018-09-30 and an all time low of 20.5% in 2019-06-30. In the last decade, t...
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