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TPBank

TPBank's net profit rose 127% yoy to VND 1,171 bil in 4Q2019

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% ...

TPBank's price/earnings (P/E) fell 55.0% yoy to 3.71 in 4Q2019

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...

TPBank's npls (as % of loans) rose 15.7% yoy to 1.29% in 4Q2019

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....

Annual Quarterly LTM
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

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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    

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TPBank's net interest margin fell 1.51% yoy to 3.78% in 4Q2019

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...

TPBank's net interest income rose 19.2% yoy to VND 1,503 bil in 4Q2019

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...

TPBank's market capitalisation (end of period) rose 2.70% yoy to USD 751 mil in 4Q2019

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...

TPBank's customer loan growth rose 10.1% yoy to 23.8% in 4Q2019

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...

TPBank's equity (as % of assets) rose 1.84% yoy to 7.94% in 4Q2019

By Helgi Library - March 1, 2020

TPBank's Equity reached 7.94% of total assets in the 4Q2019, up from 7.80% for the previous year. As a share of net customer loans, the ratio amounted to 13.8% at the end of the fourth quarter of 2019. ...

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