By Helgi Library - March 1, 2020
Vietcombank made a net profit of VND 4,397 bil in the fourth quarter of 2019, down 16.1% when compared to the same period of last...
By Helgi Library - March 1, 2020
Vietcombank made a net profit of VND 4,397 bil in the fourth quarter of 2019, down 16.1% when compared to the same period of last...
By Helgi Library - March 1, 2020
Vietcombank's customer deposits reached VND 590,457 bil in 2016-12-31, up 3.02% compared to the previous year. Vietnamese banki...
| Profit Statement | Jun 2019 | Sep 2019 | Dec 2019 | |
| Net Interest Income | VND bil | 8,671 | 8,865 | 8,641 |
| Net Fee Income | VND bil | 1,075 | 1,278 | 886 |
| Other Income | VND bil | 2,714 | 2,968 | 2,908 |
| Total Revenues | VND bil | 12,460 | 13,112 | 12,435 |
| Staff Cost | VND bil | 2,146 | 1,991 | 2,402 |
| Operating Profit | VND bil | 8,302 | 8,838 | 9,104 |
| Provisions | VND bil | 1,811 | 1,503 | 1,971 |
| Net Profit | VND bil | 4,361 | 5,048 | 4,397 |
| Balance Sheet | Jun 2019 | Sep 2019 | Dec 2019 | |
| Interbank Loans | VND bil | 174,171 | 216,739 | 248,730 |
| Customer Loans | VND bil | 682,823 | 693,973 | 724,290 |
| Total Assets | VND bil | 1,122,650 | 1,157,490 | 1,223,980 |
| Shareholders' Equity | VND bil | 76,397 | 81,391 | 85,753 |
| Interbank Borrowing | VND bil | 126,600 | 118,485 | 162,313 |
| Customer Deposits | VND bil | 871,230 | 902,186 | 928,415 |
| Issued Debt Securities | VND bil | 23,160 | 23,315 | 25,078 |
| Ratios | Jun 2019 | Sep 2019 | Dec 2019 | |
| ROE | % | 23.4 | 25.6 | 21.0 |
| ROA | % | 1.59 | 1.77 | 1.48 |
| Costs (As % Of Assets) | % | 1.51 | 1.50 | 1.12 |
| Costs (As % Of Income) | % | 33.4 | 32.6 | 26.8 |
| Net Interest Margin | % | 3.16 | 3.11 | 2.90 |
| Loans (As % Of Deposits) | % | 78.4 | 76.9 | 78.0 |
| NPLs (As % Of Loans) | % | 1.03 | 1.08 | 0.779 |
| Provisions (As % Of NPLs) | % | 177 | 185 | 182 |
| Valuation | Jun 2019 | Sep 2019 | Dec 2019 | |
| Price/Earnings (P/E) | 15.0 | 15.1 | 19.0 | |
| Price/Book Value (P/BV) | 3.42 | 3.74 | 3.90 | |
| Earnings Per Share (EPS) | VND | 4,703 | 5,444 | 4,744 |
| Book Value Per Share | VND | 20,599 | 21,945 | 23,121 |
Get all company financials in excel:
| summary | Unit | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 | Jun 2010 | Sep 2010 | Dec 2010 | Mar 2011 | Jun 2011 | Sep 2011 | Dec 2011 | Mar 2012 | Jun 2012 | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | 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 | 6,817 | 7,434 | 8,003 | 8,509 | 8,671 | |||||||||||||||||||||||||||||||||||||||
| Total Revenues | VND bil | 10,122 | 10,340 | 12,055 | 12,692 | 12,460 | |||||||||||||||||||||||||||||||||||||||
| Operating Profit | VND bil | 6,235 | 6,299 | 10,185 | 8,276 | 8,302 | |||||||||||||||||||||||||||||||||||||||
| Net Profit | VND bil | 2,927 | 2,935 | 5,240 | 4,707 | 4,361 | |||||||||||||||||||||||||||||||||||||||
| balance sheet | |||||||||||||||||||||||||||||||||||||||||||||
| Interbank Loans | VND bil | 142,503 | 152,374 | 250,228 | 169,678 | 174,171 | |||||||||||||||||||||||||||||||||||||||
| Customer Loans | VND bil | 596,235 | 616,409 | 621,573 | 661,261 | 682,823 | |||||||||||||||||||||||||||||||||||||||
| Debt Securities | VND bil | 193,561 | 165,183 | 153,520 | 161,344 | 173,503 | |||||||||||||||||||||||||||||||||||||||
| Total Assets | VND bil | 977,682 | 995,111 | 1,074,030 | 1,073,330 | 1,122,650 | |||||||||||||||||||||||||||||||||||||||
| Shareholders' Equity | VND bil | 58,603 | 61,527 | 62,179 | 72,992 | 76,397 | |||||||||||||||||||||||||||||||||||||||
| Interbank Borrowing | VND bil | 109,186 | 113,205 | 171,414 | 116,424 | 126,600 | |||||||||||||||||||||||||||||||||||||||
| Customer Deposits | VND bil | 764,499 | 773,408 | 801,930 | 838,278 | 871,230 | |||||||||||||||||||||||||||||||||||||||
| Issued Debt Securities | VND bil | 23,243 | 23,326 | 17,281 | 23,327 | 23,160 | |||||||||||||||||||||||||||||||||||||||
| ratios | |||||||||||||||||||||||||||||||||||||||||||||
| ROE | % | ... | 20.4 | 19.5 | 33.9 | 27.9 | 23.4 | ||||||||||||||||||||||||||||||||||||||
| ROA | % | ... | 1.18 | 1.19 | 2.03 | 1.75 | 1.59 | ||||||||||||||||||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.57 | 1.64 | 0.723 | 1.65 | 1.51 | ||||||||||||||||||||||||||||||||||||||
| Costs (As % Of Income) | % | 38.4 | 39.1 | 15.5 | 34.8 | 33.4 | |||||||||||||||||||||||||||||||||||||||
| Net Interest Margin | % | ... | 2.75 | 3.01 | 3.09 | 3.17 | 3.16 | ||||||||||||||||||||||||||||||||||||||
| Interest Income (As % Of Revenues) | % | 67.3 | 71.9 | 66.4 | 67.0 | 69.6 | |||||||||||||||||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 8.41 | 8.65 | 6.43 | 8.43 | 8.63 | |||||||||||||||||||||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 46.1 | 44.7 | 109 | 48.2 | 51.6 | |||||||||||||||||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 5.99 | 6.18 | 5.79 | 6.80 | 6.81 | |||||||||||||||||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 78.0 | 79.7 | 77.5 | 78.9 | 78.4 | |||||||||||||||||||||||||||||||||||||||
| Loans (As % Assets) | % | 61.0 | 61.9 | 57.9 | 61.6 | 60.8 | |||||||||||||||||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | 1.15 | 1.18 | 0.985 | 1.03 | 1.03 | |||||||||||||||||||||||||||||||||||||||
| Provisions (As % Of NPLs) | % | 141 | 155 | 165 | 169 | 177 | |||||||||||||||||||||||||||||||||||||||
| valuation | |||||||||||||||||||||||||||||||||||||||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | 9,090 | 9,720 | 8,293 | 10,759 | 11,221 | ||||||||||||||||||||||||||||||||||||||
| Number Of Shares (Average) | mil | 3,598 | 3,598 | 3,598 | 3,676 | 3,709 | |||||||||||||||||||||||||||||||||||||||
| Share Price (End Of Period) | VND | ... | 58,000 | 63,000 | 53,500 | 67,300 | 70,500 | ||||||||||||||||||||||||||||||||||||||
| Earnings Per Share (EPS) | VND | 3,252 | 3,264 | 5,826 | 5,124 | 4,703 | |||||||||||||||||||||||||||||||||||||||
| Book Value Per Share | VND | 16,289 | 17,101 | 17,283 | 19,859 | 20,599 | |||||||||||||||||||||||||||||||||||||||
| Price/Earnings (P/E) | ... | 17.8 | 19.3 | 9.18 | 13.1 | 15.0 | |||||||||||||||||||||||||||||||||||||||
| Price/Book Value (P/BV) | ... | 3.56 | 3.68 | 3.10 | 3.39 | 3.42 | |||||||||||||||||||||||||||||||||||||||
| Earnings Per Share Growth | % | ... | ... | ... | ... | 45.1 | 36.9 | 92.3 | 31.5 | 44.6 | |||||||||||||||||||||||||||||||||||
| Book Value Per Share Growth | % | ... | ... | ... | ... | 12.5 | 13.4 | 18.3 | 27.4 | 26.5 |
| income statement | Unit | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 | Jun 2010 | Sep 2010 | Dec 2010 | Mar 2011 | Jun 2011 | Sep 2011 | Dec 2011 | Mar 2012 | Jun 2012 | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | 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 | 13,453 | 14,355 | 15,370 | 16,103 | 16,801 | |||||||||||||||||||||||||||||||||||||||
| Interest Cost | VND bil | 6,637 | 6,921 | 7,367 | 7,595 | 8,130 | |||||||||||||||||||||||||||||||||||||||
| Net Interest Income | VND bil | 6,817 | 7,434 | 8,003 | 8,509 | 8,671 | |||||||||||||||||||||||||||||||||||||||
| Net Fee Income | VND bil | 851 | 895 | 775 | 1,069 | 1,075 | |||||||||||||||||||||||||||||||||||||||
| Other Income | VND bil | 2,454 | 2,011 | 3,276 | 3,113 | 2,714 | |||||||||||||||||||||||||||||||||||||||
| Total Revenues | VND bil | 10,122 | 10,340 | 12,055 | 12,692 | 12,460 | |||||||||||||||||||||||||||||||||||||||
| Staff Cost | VND bil | 1,791 | 1,807 | 2,031 | 2,129 | 2,146 | |||||||||||||||||||||||||||||||||||||||
| Operating Cost | VND bil | 3,887 | 4,041 | 1,870 | 4,416 | 4,158 | |||||||||||||||||||||||||||||||||||||||
| Operating Profit | VND bil | 6,235 | 6,299 | 10,185 | 8,276 | 8,302 | |||||||||||||||||||||||||||||||||||||||
| Provisions | VND bil | 1,738 | 1,762 | 2,400 | 1,506 | 1,811 | |||||||||||||||||||||||||||||||||||||||
| Extra and Other Cost | VND bil | 839 | 870 | 1,199 | 892 | 1,066 | |||||||||||||||||||||||||||||||||||||||
| Pre-Tax Profit | VND bil | 3,657 | 3,667 | 6,586 | 5,878 | 5,425 | |||||||||||||||||||||||||||||||||||||||
| Tax | VND bil | 726 | 728 | 1,342 | 1,167 | 1,060 | |||||||||||||||||||||||||||||||||||||||
| Minorities | VND bil | 4.88 | 3.73 | 3.95 | 3.57 | 3.88 | |||||||||||||||||||||||||||||||||||||||
| Net Profit | VND bil | 2,927 | 2,935 | 5,240 | 4,707 | 4,361 | |||||||||||||||||||||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income Growth | % | ... | ... | ... | ... | 20.5 | 41.4 | 38.1 | 35.4 | 27.2 | |||||||||||||||||||||||||||||||||||
| Net Fee Income Growth | % | ... | ... | ... | ... | 28.1 | 37.5 | 35.2 | 21.3 | 26.3 | |||||||||||||||||||||||||||||||||||
| Total Revenue Growth | % | ... | ... | ... | ... | 27.1 | 28.5 | 40.7 | 19.3 | 23.1 | |||||||||||||||||||||||||||||||||||
| Operating Cost Growth | % | ... | ... | ... | ... | 20.8 | 27.1 | -26.4 | 7.83 | 6.98 | |||||||||||||||||||||||||||||||||||
| Operating Profit Growth | % | ... | ... | ... | ... | 31.3 | 29.5 | 69.0 | 26.6 | 33.2 | |||||||||||||||||||||||||||||||||||
| Pre-Tax Profit Growth | % | ... | ... | ... | ... | 45.3 | 36.8 | 93.3 | 34.8 | 48.3 | |||||||||||||||||||||||||||||||||||
| Net Profit Growth | % | ... | ... | ... | ... | 45.2 | 36.9 | 92.3 | 34.3 | 49.0 |
| balance sheet | Unit | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 | Jun 2010 | Sep 2010 | Dec 2010 | Mar 2011 | Jun 2011 | Sep 2011 | Dec 2011 | Mar 2012 | Jun 2012 | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | 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 | 26,005 | 40,346 | 23,638 | 49,956 | 62,104 | |||||||||||||||||||||||||||||||||||||||
| Interbank Loans | VND bil | 142,503 | 152,374 | 250,228 | 169,678 | 174,171 | |||||||||||||||||||||||||||||||||||||||
| Customer Loans | VND bil | 596,235 | 616,409 | 621,573 | 661,261 | 682,823 | |||||||||||||||||||||||||||||||||||||||
| Retail Loans | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 235,884 | ... | ... | ... | ||||||||||
| Corporate Loans | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 237,542 | ... | ... | ... | ||||||||||
| Debt Securities | VND bil | 193,561 | 165,183 | 153,520 | 161,344 | 173,503 | |||||||||||||||||||||||||||||||||||||||
| Fixed Assets | VND bil | 4,044 | 4,204 | 6,457 | 4,295 | 4,260 | |||||||||||||||||||||||||||||||||||||||
| Total Assets | VND bil | 977,682 | 995,111 | 1,074,030 | 1,073,330 | 1,122,650 | |||||||||||||||||||||||||||||||||||||||
| Shareholders' Equity | VND bil | 58,603 | 61,527 | 62,179 | 72,992 | 76,397 | |||||||||||||||||||||||||||||||||||||||
| Of Which Minority Interest | VND bil | 98.5 | 83.6 | 69.0 | 72.6 | 76.5 | |||||||||||||||||||||||||||||||||||||||
| Liabilities | VND bil | 919,079 | 933,585 | 1,011,850 | 1,000,340 | 1,046,260 | |||||||||||||||||||||||||||||||||||||||
| Interbank Borrowing | VND bil | 109,186 | 113,205 | 171,414 | 116,424 | 126,600 | |||||||||||||||||||||||||||||||||||||||
| Customer Deposits | VND bil | 764,499 | 773,408 | 801,930 | 838,278 | 871,230 | |||||||||||||||||||||||||||||||||||||||
| Sight Deposits | VND bil | 216,686 | 216,712 | 226,842 | 234,500 | 239,568 | |||||||||||||||||||||||||||||||||||||||
| Term Deposits | VND bil | 535,902 | 543,544 | 558,788 | 588,842 | 604,216 | |||||||||||||||||||||||||||||||||||||||
| Issued Debt Securities | VND bil | 23,243 | 23,326 | 17,281 | 23,327 | 23,160 | |||||||||||||||||||||||||||||||||||||||
| asset quality | |||||||||||||||||||||||||||||||||||||||||||||
| Non-Performing Loans | VND bil | 6,983 | 7,424 | 6,223 | 6,952 | 7,134 | |||||||||||||||||||||||||||||||||||||||
| Gross Loans | VND bil | 606,053 | 627,951 | 631,867 | 673,022 | 695,438 | |||||||||||||||||||||||||||||||||||||||
| Total Provisions | VND bil | 9,818 | 11,542 | 10,294 | 11,761 | 12,615 | |||||||||||||||||||||||||||||||||||||||
| growth rates | |||||||||||||||||||||||||||||||||||||||||||||
| Customer Loan Growth | % | ... | ... | ... | ... | 16.1 | 17.2 | 16.1 | 16.4 | 14.5 | |||||||||||||||||||||||||||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 32.7 | ... | ... | ... | |||||||||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.637 | ... | ... | ... | |||||||||
| Total Asset Growth | % | ... | ... | ... | ... | 15.1 | 10.8 | 3.74 | 6.92 | 14.8 | |||||||||||||||||||||||||||||||||||
| Shareholders' Equity Growth | % | ... | ... | ... | ... | 12.5 | 13.4 | 18.3 | 30.2 | 30.4 | |||||||||||||||||||||||||||||||||||
| Customer Deposit Growth | % | ... | ... | ... | ... | 17.6 | 12.4 | 13.2 | 14.7 | 14.0 | |||||||||||||||||||||||||||||||||||
| market share | |||||||||||||||||||||||||||||||||||||||||||||
| Market Share in Customer Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||
| Market Share in Total Assets | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||||||||||||
| Market Share in Customer Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| ratios | Unit | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 | Jun 2010 | Sep 2010 | Dec 2010 | Mar 2011 | Jun 2011 | Sep 2011 | Dec 2011 | Mar 2012 | Jun 2012 | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 |
| ratios | |||||||||||||||||||||||||||||||||||||||||||||
| ROE | % | ... | 20.4 | 19.5 | 33.9 | 27.9 | 23.4 | ||||||||||||||||||||||||||||||||||||||
| ROA | % | ... | 1.18 | 1.19 | 2.03 | 1.75 | 1.59 | ||||||||||||||||||||||||||||||||||||||
| Costs (As % Of Assets) | % | ... | 1.57 | 1.64 | 0.723 | 1.65 | 1.51 | ||||||||||||||||||||||||||||||||||||||
| Costs (As % Of Income) | % | 38.4 | 39.1 | 15.5 | 34.8 | 33.4 | |||||||||||||||||||||||||||||||||||||||
| Net Interest Margin | % | ... | 2.75 | 3.01 | 3.09 | 3.17 | 3.16 | ||||||||||||||||||||||||||||||||||||||
| Interest Spread | % | ... | 2.59 | 2.83 | 2.91 | 2.98 | 2.94 | ||||||||||||||||||||||||||||||||||||||
| Asset Yield | % | ... | 5.43 | 5.82 | 5.94 | 6.00 | 6.12 | ||||||||||||||||||||||||||||||||||||||
| Cost Of Liabilities | % | ... | 2.84 | 2.99 | 3.03 | 3.02 | 3.18 | ||||||||||||||||||||||||||||||||||||||
| Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| Interest Income (As % Of Revenues) | % | 67.3 | 71.9 | 66.4 | 67.0 | 69.6 | |||||||||||||||||||||||||||||||||||||||
| Fee Income (As % Of Revenues) | % | 8.41 | 8.65 | 6.43 | 8.43 | 8.63 | |||||||||||||||||||||||||||||||||||||||
| Other Income (As % Of Revenues) | % | 24.2 | 19.4 | 27.2 | 24.5 | 21.8 | |||||||||||||||||||||||||||||||||||||||
| Cost Per Employee | USD per month | ... | ... | 1,556 | 1,582 | 1,727 | 1,791 | 1,692 | |||||||||||||||||||||||||||||||||||||
| Cost Per Employee (Local Currency) | VND per month | ... | ... | 35,099,200 | 35,890,200 | 39,324,200 | 41,023,400 | 38,943,600 | |||||||||||||||||||||||||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 46.1 | 44.7 | 109 | 48.2 | 51.6 | |||||||||||||||||||||||||||||||||||||||
| Equity (As % Of Assets) | % | 5.99 | 6.18 | 5.79 | 6.80 | 6.81 | |||||||||||||||||||||||||||||||||||||||
| Loans (As % Of Deposits) | % | 78.0 | 79.7 | 77.5 | 78.9 | 78.4 | |||||||||||||||||||||||||||||||||||||||
| Loans (As % Assets) | % | 61.0 | 61.9 | 57.9 | 61.6 | 60.8 | |||||||||||||||||||||||||||||||||||||||
| NPLs (As % Of Loans) | % | 1.15 | 1.18 | 0.985 | 1.03 | 1.03 | |||||||||||||||||||||||||||||||||||||||
| Provisions (As % Of NPLs) | % | 141 | 155 | 165 | 169 | 177 | |||||||||||||||||||||||||||||||||||||||
| Provisions (As % Of Loans) | % | 1.65 | 1.87 | 1.66 | 1.78 | 1.85 | |||||||||||||||||||||||||||||||||||||||
| Cost of Provisions (As % Of Loans) | % | ... | 1.19 | 1.16 | 1.55 | 0.939 | 1.08 |
| other data | Unit | Mar 2009 | Jun 2009 | Sep 2009 | Dec 2009 | Mar 2010 | Jun 2010 | Sep 2010 | Dec 2010 | Mar 2011 | Jun 2011 | Sep 2011 | Dec 2011 | Mar 2012 | Jun 2012 | Sep 2012 | Dec 2012 | Mar 2013 | Jun 2013 | Sep 2013 | Dec 2013 | Mar 2014 | Jun 2014 | Sep 2014 | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 |
| other data | |||||||||||||||||||||||||||||||||||||||||||||
| Employees | ... | ... | 17,012 | 16,785 | 17,215 | 17,303 | 18,366 | ||||||||||||||||||||||||||||||||||||||
| Sight (As % Of Customer Deposits) | % | 28.3 | 28.0 | 28.3 | 28.0 | 27.5 | |||||||||||||||||||||||||||||||||||||||
| Return on Loans | % | ... | 1.94 | 1.99 | 2.36 | 2.46 | 2.57 | ||||||||||||||||||||||||||||||||||||||
| Operating Profit (As % of Loans) | % | ... | ... | ... | 4.07 | 4.14 | 4.73 | 4.83 | 4.92 | ||||||||||||||||||||||||||||||||||||
| Costs (As % Of Loans) | % | ... | 2.46 | 2.52 | 2.31 | 2.28 | 2.24 | ||||||||||||||||||||||||||||||||||||||
| Equity (As % Of Loans) | % | 9.83 | 9.98 | 10.0 | 11.0 | 11.2 |
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By Helgi Library - March 1, 2020
Vietcombank's customer deposits reached VND 590,457 bil in 2016-12-31, up 3.02% 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. Vietcombank a...
By Helgi Library - March 4, 2020
Vietcombank's non-performing loans reached 0.779% of total loans at the end of 2019-12-31, down from 0.985% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.87% in 2009-06-30 and an all time low of 0.779% in 2019-12-31. P...
By Helgi Library - March 4, 2020
Vietcombank's non-performing loans reached 0.779% of total loans at the end of 2019-12-31, down from 0.985% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.87% in 2009-06-30 and an all time low of 0.779% in 2019-12-31. P...
By Helgi Library - March 1, 2020
Vietcombank stock traded at VND 90,200 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 14,436 mil. Over the last five years, the stock has appreciated by 282 implying an annual average growth of 30.7% In absolute ter...
By Helgi Library - March 1, 2020
Vietcombank stock traded at VND 90,200 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 14,436 mil. Over the last five years, the stock has appreciated by 282 implying an annual average growth of 30.7% In absolute ter...
By Helgi Library - March 1, 2020
Vietcombank generated total banking revenues of VND 12,435 bil in the fourth quarter of 2019, up 3.15% when compared to the same period of last year and down 5.17% when compared to the previous quarter. Historically, the bank’s revenues containing...
By Helgi Library - March 1, 2020
Vietcombank generated total banking revenues of VND 12,435 bil in the fourth quarter of 2019, up 3.15% when compared to the same period of last year and down 5.17% when compared to the previous quarter. Historically, the bank’s revenues containing...
By Helgi Library - March 1, 2020
Vietcombank's net interest margin amounted to 2.90% in the fourth quarter of 2019, down from 3.11% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.30% in 3Q2011 and an all time low of 2.3...
By Helgi Library - March 1, 2020
Vietcombank's net interest margin amounted to 2.90% in the fourth quarter of 2019, down from 3.11% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.30% in 3Q2011 and an all time low of 2.3...
By Helgi Library - March 1, 2020
Vietcombank stock traded at VND 90,200 per share at the end fourth quarter of 2019 implying a market capitalization of USD 14,436 mil. Since the end of 4Q2014, the stock has appreciated by 282 % implying an annual average growth of 30.7 %. In absolute terms, the value...
Vietcombank has been growing its revenues and asset by 18.0% and 17.0% a year on average in the last 10 years. Its loans and deposits have grown by 18.1% and 18.5% a year during that time and loans to deposits ratio reached 78.0% at the end of 2019. The company achieved an average return on equity of 16.8% in the last decade with net profit growing 16.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 31.9% in 2019, compared to 37.1% average in the last decade.
Equity represented 7.01% of total assets or 11.8% of loans at the end of 2019. Vietcombank's non-performing loans were 0.779% of total loans while provisions covered some 182% of NPLs at the end of 2019.
Vietcombank stock traded at VND 90,200 per share at the end of 2019 resulting in a market capitalization of USD 14,436 mil. Over the previous five years, stock price rose by 282% or 30.7% a year on average. That’s compared to an average ROE of 19.1% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 18.0x and price to book value (PBV) of 3.89x in 2019.
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