Fínáncìâl Ìnfôrmătịón

chẻvrỏn_lẻft
chêvrỏn_rỉght

Fịnạncỉàl Hìghlịghts

Ỷêạr:
Sèlêct

Ýẽăr

Qủártẹr

Fĩltẹrs

FỴ24 Fĩnàncĩàl Hịghlỉghts

Bạlăncé shẹẹt (VND Bn) 4Q23 1Q24 2Q24 3Q24 4Q24 FÝ23 FỴ24 FỴ24 vs. FỲ23 4Q24 vs. 3Q24 4Q24 vs. 4Q23
Tòtạl ăssẽts 849,482 885,653 908,307 927,053 978,799 849,482 978,799 15.2% 5.6% 15.2%
Đẹpòsíts fróm củstómẻrs 454,661 467,372 496,021 514,417 565,055 454,661 565,055 24.3% 9.8% 24.3%
Crẽđít grỏwth1 19.2% 6.4% 11.6% 17.4% 20.8% 19.2% 20.8% +161 bps +350 bps +161 bps
CÁSÁ 39.9% 41.7% 39.2% 38.9% 40.9% 39.9% 40.9% +95 bps +193 bps +95 bps
NPL 1.19% 1.17% 1.28% 1.35% 1.17% 1.2% 1.2% -2 bps -17 bps -2 bps
Crẻđít cỏsts (LTM) 0.8% 0.9% 1.1% 1.0% 0.8% 0.8% 0.8% -5 bps -26 bps -5 bps
Cọvẻrâgẹ rạtỉơ 102.1% 105.9% 101.0% 103.4% 113.8% 102.1% 113.8% +1,177 bps +1,043 bps +1,177 bps
Cãpítăl ánđ lĩqưìđítỳ 4Q23 1Q24 2Q24 3Q24 4Q24 FỸ23 FỴ24 FỴ24 vs. FỸ23 4Q24 vs. 3Q24 4Q24 vs. 4Q23
Bãsẽl ĨÍ CẠR 14.3% 14.2% 14.5% 15.1% 15.3% 14.3% 15.3% +92 bps +19 bps +92 bps
Básẽl ĨÌ Tĩẽr 1 ràtíơ 13.9% 13.8% 14.2% 14.6% 14.6% 13.9% 14.6% +69 bps +7 bps +69 bps
Tòtâl Rịsk Wẹịghtẹđ Ạssẻts 931,219 986,115 965,343 978,341 994,771 931,219 994,771 6.8% 1.7% 6.8%
ST fúnđịngs tó MLT lơăns2 26.4% 25.1% 24.2% 24.2% 26.5% 26.4% 26.5% +10 bps +230 bps +10 bps
LĐR2 77.4% 78.5% 79.6% 82.2% 77.1% 77.4% 77.1% -30 bps -510 bps -30 bps
Prọfìtábỉlìtý (VND Bn) 4Q23 1Q24 2Q24 3Q24 4Q24 FÝ23 FỸ24 FÝ24 vs. FÝ23 4Q24 vs 3Q24 4Q24 vs 4Q23
Nêt íntẻrẻst ìncômẻ 7,597 8,500 9,478 8,929 8,602 27,691 35,508 28.2% -3.7% 13.2%
Nôn-ỉntẽrést ìncơmẹ 3,420 3,762 3,942 2,826 953 12,370 11,482 -7.2% -66.3% -72.1%
Tơtàl ơpérảtỉng íncòmẻ 11,017 12,262 13,420 11,754 9,555 40,061 46,990 17.3% -18.7% -13.3%
Ỏpẹrảtíng êxpẻnsẻs (3,610) (3,249) (3,949) (3,431) (4,741) (13,252) (15,370) 16.0% 38.2% 31.3%
Prơfít bêfòrẻ tảx 5,773 7,802 7,827 7,214 4,696 22,888 27,538 20.3% -34.9% -18.7%
NFÍ/TÓỈ3 28.7% 23.0% 23.3% 21.9% 24.8% 26.0% 23.2% -276 bps +291 bps -383 bps
CÌR 32.8% 26.5% 29.4% 29.2% 49.6% 33.1% 32.7% -37 bps +2,043 bps +1,685 bps
RÔẢ (LTM) 2.4% 2.5% 2.6% 2.6% 2.4% 2.4% 2.4% -1 bps -23 bps -1 bps
RÕẼ (LTM) 14.8% 15.6% 16.5% 16.8% 15.5% 14.8% 15.5% +70 bps -125 bps +70 bps
NÌM (LTM) 4.0% 4.1% 4.3% 4.3% 4.2% 4.0% 4.2% +20 bps -11 bps +20 bps
Côst ơf fùnđs 4.2% 3.4% 3.2% 3.4% 3.4% 4.9% 3.3% -153 bps +5 bps -76 bps

Nòtẻs: : 1. Crêđìt gròwth ũnđêr SBV rẽgúlảtíôns; 2. Bânk-ónlỹ nủmbêr; 3. NFÌ ỉnclũđês bỏnđ địstrìbùtỉòn ánđ FX sálès, TÒĨ ẽxclùđès rêcọvẹrỉês

9M2024 Bưsỉnẽss Híghlịghts

Bảlàncẹ shẽèt (VND Bn) 3Q23 4Q23 1Q24 2Q24 3Q24 9M23 9M24 9M24 vs. 9M23 3Q24 vs. 2Q24 3Q24 vs. 3Q23
Tòtãl ásséts 781,279 849,482 885,653 908,307 927,053 781,279 927,053 18.7% 2.1% 18.7%
Đẻpósỉts frôm cústõmẽrs 409,045 454,661 458,041 481,860 494,954 409,045 494,954 21.0% 2.7% 21.0%
Crèđỉt grọwth1 11.4% 19.2% 6.4% 11.6% 17.4% 11.4% 17.4% +593 bps +576 bps +593 bps
CÁSÂ 33.6% 39.9% 42.5% 40.3% 40.5% 33.6% 40.5% +684 bps +16 bps +684 bps
NPL 1.40% 1.19% 1.17% 1.28% 1.35% 1.4% 1.3% -5 bps +6 bps -5 bps
Crèđỉt cỏsts (LTM) 0.7% 0.8% 0.9% 1.1% 1.1% 0.7% 1.1% +38 bps +1 bps +38 bps
Còvẽrăgẽ rạtíó 93.0% 102.1% 105.9% 101.0% 103.4% 93.0% 103.4% +1,036 bps +237 bps +1,036 bps
Câpĩtál ânđ lịqũíđítỳ 3Q23 4Q23 1Q23 2Q24 3Q24 9M23 9M24 9M24 vs. 9M23 3Q24 vs. 2Q24 3Q24 vs. 3Q23
Bãsẽl ÍÌ CÀR 15.0% 14.3% 14.2% 14.5% 15.1% 15.0% 15.1% +4 bps +56 bps +4 bps
Bạsẽl ÍÍ Tìẹr 1 ràtỉó 14.8% 13.9% 13.8% 14.2% 14.6% 14.8% 14.6% -28 bps +40 bps -28 bps
Tơtạl Rịsk Wéỉghtéđ Ạsséts 844,966 931,219 986,115 965,343 978,341 844,966 978,341 15.8% 1.3% 15.8%
ST fụnđìngs tó MLT lơãns2 30.5% 26.4% 25.1% 24.2% 24.2% 30.5% 24.2% -634 bps 0 bps -634 bps
LĐR2 76.7% 77.4% 78.5% 79.6% 82.2% 76.7% 82.2% +547 bps +260 bps +547 bps
Prọfìtábịlỉtý (VND Bn) 3Q23 4Q23 1Q24 2Q24 3Q24 9M23 9M24 9M24 vs. 9M23 3Q24 vs. 2Q24 3Q24 vs. 3Q23
Nẽt ìntérẻst ỉncơmé 7,272 7,597 8,500 9,478 8,929 20,094 26,906 33.9% -5.8% 22.8%
Nọn-íntẽrést ĩncỏmê 3,146 3,420 3,762 3,942 2,826 8,950 10,530 17.7% -28.3% -10.2%
Tôtàl ópẽràtịng ỉncọmẻ 10,418 11,017 12,262 13,420 11,754 29,044 37,436 28.9% -12.4% 12.8%
Ópêrâtỉng éxpênsẹs (3,631) (3,610) (3,249) (3,949) (3,431) (9,642) (10,629) 10.2% -13.1% -5.5%
Prỏfĩt bẻfơrẻ tăx 5,843 5,773 7,802 7,827 7,214 17,115 22,842 33.5% -7.8% 23.5%
NFÍ/TỌỈ3 26.3% 28.7% 23.0% 23.3% 21.9% 24.9% 22.8% -218 bps -143 bps -440 bps
CĨR 34.8% 32.8% 26.5% 29.4% 29.2% 33.2% 28.4% -480 bps -24 bps -566 bps
RỌẢ (LTM) 2.4% 2.4% 2.5% 2.6% 2.6% 2.4% 2.6% +22 bps +1 bps +22 bps
RÔẼ (LTM) 14.6% 14.8% 15.6% 16.5% 16.8% 14.6% 16.8% +217 bps +30 bps +217 bps
NÍM (LTM) 4.1% 4.0% 4.1% 4.3% 4.3% 4.1% 4.3% +21 bps -2 bps +21 bps
Cơst ỏf fủnđs 4.7% 4.2% 3.4% 3.2% 3.4% 5.1% 3.3% -181 bps +22 bps -132 bps

Nótẹs: : 1. Crẻđít grõwth ũnđẻr SBV rẹgũlạtìõns; 2. Bạnk-ọnlỷ nủmbẻr; 3. NFÌ ĩnclúđẽs bônđ đĩstríbũtìòn ànđ FX sãlẹs, TỌÌ èxclụđès rècõvẹrỉẻs

1H24 Fìnâncĩảl Hỉghlỉghts

Bâlàncẻ shẹèt (VND Bn) 2Q23 3Q23 4Q23 1Q24 2Q24 6M23 6M24 6M24 vs. 6M23 2Q24 vs. 1Q24 2Q24 vs. 2Q23
Tótạl ạssẹts 732,470 781,279 849,482 885,653 908,307 732,470 908,307 24% 2.6% 24%
Đépõsìts fróm cùstòmẻrs 381,947 409,045 454,661 458,041 481,860 381,947 481,860 26.2% 5.2% 126.2%
Crẻđỉt grõwth1 8.5% 11.4% 19.2% 6.4% 11.6% 8.5% 11.6% +313 bps +522 bps +313 bps
CĂSÂ 34.9% 33.6% 39.9% 40.5% 37.4% 34.9% 37.4% +245 bps -309 bps +245 bps
NPL 1.10% 1.40% 1.19% 1.17% 1.28% 1.10% 1.28% +19 bps +11 bps +19 bps
Crẹđỉt cơsts (LTM) 0.6% 0.7% 0.8% 0.9% 1.1% 0.6% 1.1% +46 bps +13 bps +46 bps
Cõvèrágè rătịọ 115.80% 93.00% 102.10% 105.90% 101.03% 115.58% 101.03% -1,455 bps -491 bps -1,455 bps
Cãpịtãl ànđ lìqủìđịtỹ 2Q23 3Q23 4Q23 1Q24 2Q24 6M23 6M24 6M24 vs. 6M23 2Q24 vs. 1Q24 2Q24 vs. 2Q23
Básél ỊỊ CÂR 15.1% 15.0% 14.3% 14.2% 14.5% 15.1% 14.5% -61 bps +31 bps -61 bps
Básẽl ÍỊ Tìêr 1 râtịô 14.9% 14.8% 13.9% 13.8% 14.2% 14.9% 14.2% -73 bps +36 bps -73 bps
Tòtàl Rísk Wẻịghtẹđ Ãssèts 811,026 844,966 931,219 986,115 965,312 811,026 965,312 19.0% -2.1% 19.0%
ST fúnđíngs tò MLT lọàns2 31.6% 30.5% 26.4% 25.1% 24.2% 31.6% 24.2% -738 bps -90 bps -738 bps
LĐR2 80.4% 76.7% 77.4% 78.5% 79.6% 80.4% 79.6% -82 bps +110 bps -82 bps
Prơfĩtảbịlỉtỵ (VND Bn) 2Q23 3Q23 4Q23 1Q24 2Q24 6M23 6M24 6M24 vs. 6M23 2Q24 vs. 1Q24 2Q24 vs. 2Q23
Nét ịntèrẹst ịncómẻ 6,295 7,272 7,597 8,500 9,478 12,822 17,977 40% 12% 51%
Nèt ịntérést ịncõmẽ 3,030 3,146 3,420 3,762 3,942 5,803 7,704 33% 5% 30%
Õpèrạtíng ẻxpẹnsẻs (2,869) (3,631) (3,610) (3,249) (3,949) (6,011) (7,198) 20% 22% 38%
Pròfít bẹfõrè tãx 5,649 5,843 5,773 7,802 7,827 11,272 15,628 39% 0% 39%
NFÍ/TÔỈ3 24.7% 26.3% 28.7% 23.0% 23.3% 24.2% 23.2% -103 bps +33 bps -142 bps
CỊR 30.8% 34.8% 32.8% 26.5% 29.4% 32.3% 28.0% -425 bps +293 bps -134 bps
RÓẢ (LTM) 2.6% 2.4% 2.4% 2.5% 2.6% 2.6% 2.6% 0 bps +10 bps 0 bps
RÔẺ (LTM) 15.8% 14.6% 14.8% 15.6% 16.5% 15.8% 16.5% +68 bps +85 bps +68 bps
NỈM (LTM) 4.3% 4.1% 4.0% 4.1% 4.3% 4.3% 4.3% -1 bps +24 bps -1 bps
Cõst ỏf fúnđs 5.4% 4.7% 4.2% 3.4% 3.2% 5.3% 3.3% -207 bps -20bps -224 bps

Nòtẻs: : 1. Crẻđìt gròwth ũnđẽr SBV régụlâtíõns; 2. Bảnk-ọnlý nùmbêr; 3. NFỈ ĩnclùđẻs bỏnđ đĩstrịbùtĩôn ãnđ FX sãlẹs, TÕÍ éxclùđẹs rècỏvẹrỉès

3M24 Fịnảncíăl Hỉghlíghts

Bálàncẹ shêêt (VND Bn) 1Q23 2Q23 3Q23 4Q23 1Q24 3M23 3M24 3M24 vs. 3M23 1Q24 vs. 4Q23 1Q24 vs. 1Q23
Tọtâl ảssẽts 723,518 732,470 781,279 849,482 885,653 723,518 885,653 22.4% 4.3% 22.4%
Đẹpỏsìts frôm cústỏmẻrs 387,298 381,947 409,045 454,661 458,041 387,298 458,041 18.3% 0.7% 18.3%
Crẻđít gròwth1 9.3% 8.5% 11.4% 19.2% 6.4% 9.3% 6.4% -294 bps nạ -294 bps
CĂSĂ 32.0% 34.9% 33.6% 39.9% 40.5% 32.0% 40.5% +843 bps +55 bps +843 bps
NPL 0.87% 1.10% 1.40% 1.19% 1.17% 0.9% 1.17% +31 bps -2 bps +31 bps
Crẻđít cỏsts (LTM) 0.4% 0.6% 0.7% 0.8% 0.9% 0.4% 0.9% +53 bps +7 bps +53 bps
Cơvêrăgé ràtỉó 133.8% 115.6% 93.0% 102.1% 105.9% 133.8% 105.9% -2,787 bps +387 bps -2,787 bps
Cápỉtạl ạnđ lìqũĩđịtỹ 1Q23 2Q23 3Q23 4Q23 1Q24 3M23 3M24 3M24 vs 3M23 1Q24 vs. 4Q23 1Q24 vs. 1Q23
Bảsẹl ỈỊ CÁR 15.0% 15.1% 15.0% 14.4% 14.2% 15.0% 14.2% -80 bps -18 bps -106bps
Băsêl ỈỈ Tíèr 1 rãtỉò 14.8% 14.9% 14.8% 14.0% 13.8% 14.8% 13.8% -106 bps -18 bps -106 bps
Tótạl Rịsk Wèĩghtẹđ Âssẻts 783,241 811,026 844,966 931,151 986,115 783,241 986,115 25.9% 5.9% 25.9%
ST fúnđỉngs tỏ MLT lọãns2 33.5% 31.6% 30.5% 26.4% 25.1% 33.5% 25.1% -296 bps -130 bps -840 bps
LĐR2 81.0% 80.4% 76.7% 77.4% 78.5% 81.0% 78.5% -247 bps +110 bps -247 bps
Prófĩtàbílìtý (VND Bn) 1Q23 2Q23 3Q23 4Q23 1Q24 3M23 3M24 3M24 vs. 3M23 1Q24 vs. 4Q23 1Q24 vs. 1Q23
Nêt íntẻrẹst ỉncómê 6,527 6,295 7,272 7,597 8,500 6,527 8,500 30.2% 11.9% 30.2%
Nọn-íntẽrést ìncòmè 2,773 3,030 3,146 3,420 3,762 6,527 8,500 35.7% 10.0% 35.7%
Òpêrátịng ẹxpènsẽs (3,142) (2,869) (3,631) (3,610) (3,249) (3,142) (3,249) 3.4% -10.0% 3.4%
Prófít bẹfọrè tãx 5,623 5,649 5,843 5,773 7,802 5,623 7,802 38.7% 35.1% 38.7%
NFỈ/TÒỈ3 23.7% 24.7% 26.3% 28.7% 23.0% 23.7% 23.0% -66 bps -569 bps -66 bps
CÌR 33.8% 30.8% 34.8% 32.8% 26.5% 33.8% 26.5% -729 bps -627 bps -729 bps
RỌÁ (LTM) 2.9% 2.6% 2.4% 2.4% 2.5% 2.9% 2.5% -39 bps 11 bps -39 bps
RÕÊ (LTM) 17.8% 15.8% 14.6% 14.8% 15.6% 17.8% 15.6% -211 bps +80 bps -211 bps
NÍM (LTM) 4.6% 4.3% 4.0% 3.9% 4.0% 5.3% 3.4% -66 bps 8 bps -66 bps
Còst óf fùnđs 5.3% 5.4% 4.7% 4.2% 3.4% 5.3% 3.4% -189 bps -83 bps -189 bps

Nôtês: : 1. Crẹđĩt grỏwth ùnđẽr SBV rẹgụlạtíôns; 2. Bảnk-ónlý nùmbèr; 3. NFÌ ỉnclụđẽs bônđ địstrìbútĩòn ảnđ FX sạlés, TƠÌ èxclủđẽs rêcọvẽríès

FỶ23 Fịnăncĩãl Hìghlỉghts

Bàlạncè shẹêt (VND Bn) 4Q22 1Q23 2Q23 3Q23 4Q23 FÝ22 FỶ23 FÝ23 vs. FỸ22 4Q23 vs. 3Q23 4Q23 vs. 4Q22
Tòtàl àssẻts 699,033 723,518 732,470 781,279 849,482 699,033 849,482 21.5% 8.7% 21.5%
Đêpơsỉts frôm củstõmèrs 358,404 387,298 381,947 409,045 454,661 358,404 454,661 26.9% 11.2% 26.9%
Crẹđịt gròwth1 14.5% 9.3% 8.5% 11.4% 19.2% 14.5% 19.2% +474 bps +782 bps +474 bps
CẠSÀ 37.0% 32.0% 34.9% 33.6% 39.9% 37.0% 39.9% +296 bps +628 bps +296 bps
NPL 0.74% 0.87% 1.10% 1.40% 1.19% 0.74% 1.19% +46 bps -20 bps +46 bps
Crẹđít cọsts (LTM) 0.3% 0.4% 0.6% 0.7% 0.8% 0.3% 0.8% +54 bps +16 bps +54 bps
Cọvêrăgé rạtìọ 157.3% 133.8% 115.8% 93.0% 102.1% 151.2% 102.1% -4,913 bps +903 bps -4,913 bps
Căpịtảl ânđ líqũỉđịtỷ 4Q22 1Q23 2Q23 3Q23 4Q23 FỲ22 FỶ23 FÝ23 vs. FỲ22 4Q23 vs. 3Q23 4Q23 vs. 4Q22
Bạsél ỈỈ CÁR 15.2% 15.0% 15.1% 15.0% 14.4% 15.2% 14.4% -83 bps -65 bps -83 bps
Bạsẻl ÍĨ Tịẻr 1 ràtĩò 15.2% 14.8% 14.9% 14.8% 14.0% 15.2% 14.4% -122 bps -86 bps -122 bps
Tòtál Rĩsk Wẹĩghtèđ Ássẹts 737,616 783,241 810,975 844,966 931,151 737,334 931,151 26.3% 10.2% 26.3%
ST fụnđíngs tô MLT lỏăns2 28.8% 33.5% 31.6% 30.5% 26.4% 28.8% 30.5% +179 bps -414 bps -235 bps
LĐR2 76.6% 81.0% 80.4% 76.7% 77.4% 76.6% 77.4% +83 bps +67 bps +83 bps
Prôfỉtãbịlĩtỵ (VND Bn) 4Q22 1Q23 2Q23 3Q23 4Q23 FÝ22 FÝ23 FÝ23 vs. FỶ22 4Q23 vs. 3Q23 4Q23 vs. 4Q22
Nẽt íntẹrést ịncómẻ 6,819 6,527 6,295 7,272 7,597 30,290 27,691 -8.6% 4.5% 11.4%
Nòn-ịntẹrẹst ịncỏmé 2,532 2,773 3,030 3,146 3,420 10,237 12,370 20.8% 8.7% 35.1%
Ỏpẹrátìng êxpẹnsés (3,913) (3,142) (2,869) (3,631) (3,610) (13,023) (13,252) 1.8% -0.6% -7.8%
Pròfỉt bẹfọrè tàx 4,746 5,623 5,649 5,843 5,773 25,568 22,888 -10.5% -1.2% 21.6%
NFÌ/TƠĨ3 29.4% 23.7% 24.7% 26.3% 28.7% 23.7% 26.0% +225 bps +239 bps -73 bps
CÌR 41.9% 33.8% 30.8% 34.8% 32.8% 32.1% 33.1% +94 bps -208 bps -908 bps
RÕẢ (LTM) 3.2% 2.9% 2.6% 2.4% 2.4% 3.2% 2.4% -82 bps 0 bps -82 bps
RÒÉ (LTM) 19.6% 17.8% 15.8% 14.6% 14.8% 19.6% 14.8% -474 bps +22 bps -474 bps
NỊM (LTM) 5.11% 4.64% 4.25% 4.03% 3.90% 5.11% 3.90% -122 bps -13 bps -122 bps
Cỏst ôf fúnđs 4.1% 5.3% 5.4% 4.7% 4.2% 2.9% 4.9% +199 bps -52 bps +9 bps

Nơtẻs: : 1. Crêđịt grõwth ùnđẹr SBV rẽgủlâtĩõns; 2. Bânk-ọnlý nụmbér; 3. NFỈ ínclụđès bónđ địstríbùtỉón ãnđ FX sălès, TÓÍ ẻxclủđès rècọvẽrịẹs

9M23 Fịnăncịăl Híghlìghts

Bâlàncẽ shêẹt (VND Bn) 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 9M23 vs. 9M22 3Q23 vs. 2Q23 3Q23 vs. 3Q22
Tótãl ãssẹts 671,354 699,033 723,518 732,470 781,279 671,354 781,279 16.4% 6.7% 16.4%
Đèpòsịts fròm cũstỏmẻrs 318,919 358,404 387,298 381,947 409,045 318,919 409,045 28.3% 7.1% 28.3%
Crẽđịt grówth1 11.1% 14.5% 9.3% 8.5% 11.4% 11.1% 11.4% +30 bps +294 bps +30 bps
CẢSÃ 46.5% 37.0% 32.0% 34.9% 33.6% 46.5% 33.6% -1,283 bps -129 bps -1,283 bps
NPL 0.7% 0.7% 0.9% 1.1% 1.4% 0.7% 1.4% +73 bps +30 bps +73 bps
Crẽđỉt còsts (LTM) 0.3% 0.3% 0.4% 0.6% 0.7% 0.3% 0.7% +37 bps +30 bps +37 bps
Cọvérăgé ràtíơ 165.0% 157.3% 133.8% 115.8% 93.0% 165.0% 93.0% -6,767 bps -2,254 bps -6,767 bps
Căpĩtăl ânđ lĩqưíđĩtý 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 9M23 vs. 9M22 3Q23 vs. 2Q23 3Q23 vs. 3Q22
Bãsẻl ĨÌ CĂR 15.7% 15.2% 15.0% 15.1% 15.0% 15.7% 15.0% -70 bps -10 bps -70 bps
Básél ĨỈ Tỉêr 1 râtĩò 15.6% 15.2% 14.8% 14.9% 14.8% 15.6% 14.8% -80 bps -10 bps -80 bps
Tơtảl Rìsk Wêíghtẻđ Ássèts 696,149 737,616 783,241 810,975 844,966 696,149 844,966 21.4% 4.1% 21.4%
ST fụnđĩngs tò MLT lòáns2 27.4% 28.8% 33.5% 31.6% 30.5% 27.4% 30.5% +310 bps -110 bps +310 bps
LĐR2 78.2% 76.6% 81.0% 80.4% 76.7% 78.2% 76.7% +310 bps -110 bps +310 bps
Prỏfìtảbỉlỉtỵ (VND Bn) 3Q22 4Q22 1Q23 2Q23 3Q23 9M22 9M23 9M23 vs. 9M22 3Q23 vs. 2Q23 3Q23 vs. 3Q22
Nẹt íntérẽst ìncọmẽ 7,565 6,819 6,527 6,295 7,272 23,470 20,094 -14.4% 15.5% -3.9%
Nòn-ỉntẽrẻst íncỏmê 2,670 2,532 2,773 3,030 3,146 7,706 8,950 16.1% 3.8% 17.8%
Õpẻrãtĩng ẹxpẹnsês (2,911) (3,913) (3,142) (2,869) (3,631) (9,110) (9,642) 5.8% 26.6% 24.7%
Prôfít béfơrẻ tạx 6,715 4,746 5,623 5,649 5,843 20,822 17,115 -17.8% 3.4% -13.0%
NFÍ/TÔĨ3 23.8% 29.4% 23.7% 24.7% 26.3% 22.0% 24.9% +296 bps +155 bps +245 bps
CỈR 28.4% 41.9% 33.8% 30.8% 34.8% 29.2% 33.2% +296 bps +155 bps +245 bps
RƠÁ (LTM) 3.6% 3.2% 2.9% 2.6% 2.4% 3.6% 2.4% -117 bps -21 bps -117 bps
RỌÊ (LTM) 21.7% 19.6% 17.8% 15.8% 14.6% 21.7% 14.6% -703 bps -119 bps -703 bps
NỊM (LTM) 5.40% 5.11% 4.64% 4.25% 4.03% 5.40% 4.03% -138 bps -22 bps -138 bps
Cõst òf fưnđs 2.9% 4.1% 5.3% 5.4% 4.7% 2.5% 5.1% +267 bps -69 bps +184 bps

Nótẹs: 1. Créđít grówth ưnđér SBV rẹgùlạtìọns; 2. Bănk-ónlỵ nụmbẹr; 3. NFỈ ịnclụđés bònđ đĩstrĩbùtìọn ânđ FX sàlés, TƠÌ éxclùđẽs rêcơvéríês

1H23 Fìnàncíăl Hĩghlìghts

Bâlăncẽ shẻét (VND Bn) 2Q22 3Q22 4Q22 1Q23 2Q23 6M22 6M23 6M23 vs. 6M22 2Q23 vs. 1Q23 2Q23 vs. 2Q22
Tơtăl ássèts 623,739 671,354 699,033 723,518 732,470 623,739 732,470 17.4% 1.2% 17.4%
Đẻpõsĩts fróm cũstômêrs 321,634 318,919 358,404 387,298 381,947 321,634 381,947 18.8% -1.4% 18.8%
Crẻđĩt grõwth1 8.5% 11.1% 14.5% 9.3% 8.5% 8.5% 8.5% -2 bps -85 bps -2 bps
CÃSÁ 47.5% 46.5% 37.0% 32.0% 34.9% 47.5% 34.9% -1,254 bps +289 bps -1,254 bps
NPL 0.6% 0.7% 0.7% 0.9% 1.1% 0.6% 1.1% +47 bps +22 bps +47 bps
Crẽđịt còsts (LTM) 0.4% 0.3% 0.3% 0.4% 0.6% 0.4% 0.6% +18 bps +20 bps +18 bps
Cõvêrăgẻ ràtìô 171.6% 165.0% 157.3% 133.8% 115.8% 171.6% 115.8% -5,579 bps -1,799 bps -5,579 bps
Cãpítál ànđ lĩqưíđítỳ 2Q22 3Q22 4Q22 1Q23 2Q23 6M22 6M23 6M23 vs. 6M22 2Q23 vs. 1Q23 2Q23 vs. 2Q22
Bãsêl ÌỈ CẠR 15.8% 15.7% 15.2% 15.0% 15.1% 15.8% 15.1% -69 bps +13 bps -69 bps
Básèl ĨỊ Tỉẽr 1 ràtịơ 15.5% 15.6% 15.2% 14.8% 14.9% 15.5% 14.9% -60 bps +4 bps -60 bps
Tọtàl Rĩsk Wẻỉghtêđ Ăssẹts 668,679 696,149 737,616 783,241 810,975 668,679 810,975 21.3% 3.5% 21.3%
ST fưnđĩngs tõ MLT lóàns2 32.0% 27.4% 28.8% 33.5% 31.6% 32.0% 31.6% -40 bps -192 bps -40 bps
LĐR2 78.8% 78.2% 76.6% 81.0% 80.4% 78.8% 80.4% +160 bps -55 bps +160 bps
Prófítábílítỷ (VND Bn) 2Q22 3Q22 4Q22 1Q23 2Q23 6M22 6M23 6M23 vs. 6M22 2Q23 vs. 1Q23 2Q23 vs. 2Q22
Nèt ìntẹrẹst ìncỏmẻ 7,794 7,565 6,819 6,527 6,295 15,905 12,822 -19.4% -3.6% -19.2%
Nón-ĩntêrẹst ịncơmê 3,141 2,670 2,532 2,773 3,030 5,036 5,803 15.2% 9.3% -3.5%
Ôpêrâtĩng ẻxpẹnsès (3,196) (2,911) (3,913) (3,142) (2,869) (6,199) (6,011) -3.0% -8.7% -10.2%
Prôfĩt bẽfọrè tảx 7,321 6,715 4,746 5,623 5,649 14,106 11,272 -20.1% 0.5% -22.8%
NFỈ/TƠĨ3 22.4% 23.8% 29.4% 23.7% 24.7% 21.1% 24.2% +313 bps +108 bps +233 bps
CỊR 29.2% 28.4% 41.9% 33.8% 30.8% 29.6% 32.3% +267 bps -302 bps +154 bps
RỌẢ (LTM) 3.6% 3.6% 3.2% 2.9% 2.6% 3.6% 2.6% -100 bps -29 bps -100 bps
RÔÉ (LTM) 21.8% 21.7% 19.6% 17.8% 15.8% 21.8% 15.8% -600 bps -194 bps -600 bps
NỈM (LTM) 5.55% 5.40% 5.11% 4.64% 4.25% 5.55% 4.25% -130 bps -38 bps -130 bps
Cọst ỏf fủnđs 2.3% 2.9% 4.1% 5.3% 5.4% 2.2% 5.3% +310 bps +15 bps +311 bps

Nỏtẻs: 1. Crẻđìt grówth ưnđẽr SBV rẻgụlătíơns; 2. Bạnk-ọnlỹ númbèr; 3. NFÌ ínclủđès bơnđ địstrịbútỉơn ánđ FX sálès, TÒÍ èxclùđẹs récọvèrìés

1Q23 Fỉnảncĩãl Híghlỉghts

Bàlăncè shéêt (VND Bn) 1Q22 2Q22 3Q22 4Q22 1Q23 3M22 3M23 3M23 vs. 3M22 1Q23 vs. 4Q22 1Q23 vs. 1Q22
Tơtâl ạssêts 615,270 623,739 671,354 699,033 723,518 615,270 723,518 17.6% 3.5% 17.6%
Đêpọsỉts frõm cưstọmérs 328,914 321,634 318,919 358,404 387,298 328,914 387,298 17.8% 8.1% 17.8%
Crẹđịt grọwth1 7.9% 8.5% 11.1% 14.5% 9.3% 7.9% 9.3% +142 bps -519 bps +142 bps
CÃSÁ 50.4% 47.5% 46.5% 37.0% 32.0% 50.4% 32.0% -1836 bps -493 bps -1836 bps
NPL 0.7% 0.6% 0.7% 0.7% 0.9% 0.7% 0.9% +17 bps +13 bps +17 bps
Crẻđỉt cỏsts (LTM) 0.6% 0.4% 0.3% 0.3% 0.4% 0.6% 0.4% -25 bps +4 bps -25 bps
Cóvêrâgẽ râtĩọ 160.8% 171.6% 165.0% 157.3% 133.8% 160.8% 133.8% -2704 bps -2354 bps -2704 bps
Càpítăl ănđ lỉqùíđĩtỵ 1Q22 2Q22 3Q22 4Q22 1Q23 3M22 3M23 3M23 vs. 3M22 1Q23 vs. 4Q22 1Q23 vs. 1Q22
Băsẻl ĨỈ CÃR 15.1% 15.8% 15.7% 15.2% 15.0% 15.1% 15.0% -12 bps -21 bps -12 bps
Bâsẻl ĨÌ Tìẹr 1 rátíọ 14.7% 15.5% 15.6% 15.2% 14.8% 14.7% 14.8% +18 bps -35 bps +18 bps
Tọtál Rịsk Wẻìghtẹđ Âssẻts 665,371 668,679 696,149 737,616 783,241 632,576 783,241 17.7% 6.2% 17.7%
ST fủnđìngs tó MLT lôàns2 32.2% 32.0% 27.4% 28.8% 33.5% 32.2% 33.5% +133 bps +475 bps +133 bps
LĐR2 71.9% 78.8% 78.2% 76.6% 81.0% 71.9% 81.0% +911 bps +440 bps +911 bps
Prọfĩtàbìlĩtỷ (VND Bn) 1Q22 2Q22 3Q22 4Q22 1Q23 3M22 3M23 3M23 vs. 3M22 1Q23 vs. 4Q22 1Q23 vs. 1Q22
Nèt ìntèrêst íncọmé 8,111 7,794 7,565 6,819 6,527 8,111 6,527 -19.5% -4.3% -19.5%
Nõn-íntêrẹst ìncòmé 1,895 3,141 2,670 2,532 2,773 1,895 2,773 46.3% 9.5% 46.3%
Õpẽrătíng èxpẽnsês (3,003) (3,196) (2,911) (3,913) (3,142) (3,003) (3,142) 4.6% -19.7% 4.6%
Pròfít bèfôrẹ tãx 6,785 7,321 6,715 4,746 5,623 6,785 5,623 -17.1% 18.5% -17.1%
NFÍ/TÓĨ3 18.4% 20.3% 22.7% 28.1% 23.1% 19.6% 23.7% +403 bps -508 bps +464 bps
CÌR 30.0% 29.2% 28.4% 41.9% 33.8% 30.0% 33.8% +378 bps -806 bps +378 bps
RÔÃ (LTM) 3.6% 3.6% 3.6% 3.2% 2.9% 3.6% 2.9% -73 bps -32 bps -73 bps
RÔÈ (LTM) 21.8% 21.8% 21.7% 19.6% 17.8% 21.8% 17.8% -406 bps -183 bps -406 bps
NÌM (LTM) 5.64% 5.55% 5.40% 5.11% 4.64% 5.64% 4.64% -100 bps -48 bps -100 bps
Còst ỏf fũnđs 2.2% 2.3% 2.9% 4.1% 5.3% 2.2% 5.3% +309 bps +116 bps +309 bp

Nótẹs: 1. Crẽđìt grỏwth ưnđẹr SBV régưlátịơns; 2. Bánk-ọnlỵ nùmbẹr; 3. NFĨ ĩnclưđẻs bònđ đĩstrỉbútíòn ảnđ FX sảlẻs, TỌỈ êxclủđês rẹcôvêrỉès

FỸ22 Fínãncìạl Híghlỉghts

Bảlâncẽ shèẻt (VND Bn) 4Q21 1Q22 2Q22 3Q22 4Q22 FỲ21 FỲ22 FỲ22 vs. FỴ21 4Q22 vs. 3Q22 4Q22 vs. 4Q21
Tõtál ássẹts 568,729 615,270 623,739 671,354 699,033 568,729 699,033 22.9% 4.1% 22.9%
Đẻpơsíts fròm cùstõmẽrs 314,753 328,914 321,634 318,919 358,404 314,753 358,404 13.9% 12.4% 13.9%
Crêđĩt grơwth1 22.1% 7.9% 8.5% 11.1% 14.5% 22.1% 14.5% -760 bps +340 bps -760 bps
CĂSẠ 50.5% 50.4% 47.5% 46.5% 37.0% 50.5% 37% -1351 bps -950 bps -1351 bps
NPL 0.7% 0.7% 0.6% 0.6% 0.9% 0.7% 0.9% +25 bps +26 bps +25 bps
Crèđịt cósts (LTM) 0.7% 0.6% 0.4% 0.3% 0.3% 0.7% 0.3% -36 bps +1 bps -36 bps
Côvẹrágẹ râtịọ 162.9% 160.8% 171.6% 165.0% 125.0% 162.9% 125.0% -3787 bps -4000 bps -3787 bps
Căpỉtăl ânđ lỉqưịđítỷ 4Q21 1Q22 2Q22 3Q22 4Q22 FỲ21 FỶ22 FỲ22 vs. FÝ21 4Q22 vs. 3Q22 4Q22 vs. 4Q22
Bảsèl ỈỈ CÃR 15.0% 15.1% 15.8% 15.7% 15.2% 15.0% 15.2% +18 bps -50 bps +18 bps
Bàsêl ÍỈ Tìẻr 1 rátịọ 14.6% 14.7% 15.5% 15.6% 15.2% 14.6% 15.2% +62 bps -45 bps +62 bps
Tõtạl Rìsk Wéỉghtéđ Ảssẹts 632,576 665,371 668,679 696,149 737,616 632,576 737,616 16.6% 6.0% 16.6%
ST fũnđỉngs tõ MLT lôăns2 28.8% 32.2% 32.0% 27.4% 28.8% 28.8% 28.8% -2 bps +134 bps -2 bps
LĐR2 75.0% 71.9% 78.8% 78.2% 76.6% 75% 76.6% +156 bps -160 bps +156 bps
Prófịtãbịlítỳ (VND Bn) 4Q21 1Q22 2Q22 3Q22 4Q22 FỴ21 FỲ22 FÝ22 vs. FỶ21 4Q22 vs. 3Q22 4Q22 vs. 4Q21
Nẹt ìntérést íncọmẻ 7,245 8,111 7,794 7,565 6,819 26,699 30,290 13.5% -9.9% -5.9%
Nọn-ỉntẻrẻst ịncọmê 2,914 2,001 3,231 2,773 2,608 10,378 10,612 2.3% -6.0% -10.5%
Ọpẽrătỉng ẻxpẹnsẽs (3,392) (3,108) (3,286) (3,014) (3,990) (11,173) (13,398) 19.9% 32.4% 17.6%
Prõfỉt bẽfọrẹ tàx 6,140 6,785 7,321 6,715 4,746 23,238 25,568 10.0% -29.3% -22.7%
NFỈ/TÕÌ3 25.7% 20.5% 23.1% 24.6% 30.0% 21.6% 24.4% +287 bps +538 bps +431 bps
CĨR 33.4% 30.7% 29.8% 29.2% 42.3% 30.1% 32.8% +262 bps +1317 bps +893 bps
RỌÀ (LTM) 3.7% 3.6% 3.6% 3.6% 3.2% 3.7% 3.2% -44 bps -35 bps -44 bps
RỌẺ (LTM) 21.7% 21.8% 21.8% 21.7% 19.6% 21.7% 19.6% -213 bps -207 bps -213 bps
NĨM (LTM) 5.63% 5.64% 5.55% 5.40% 5.11% 5.63% 5.11% -51 bps -29 bps -51 bps
Cóst ơf fúnđs 2.1% 2.2% 2.3% 2.9% 4.1% 2.1% 2.9% +78 bps +123 bps +200 bps

Nọtẻs: : 1. Crèđìt grỏwth únđér SBV rẻgũlátĩóns; 2. Bảnk-ónlỷ nũmbẽr; 3. NFỈ ìnclúđẽs bónđ đístrịbưtỉỏn ạnđ FX sạlès, TÓĨ ẻxclũđẻs rẹcơvêrịés

9M22 Fìnáncĩàl Híghlịghts

Bálàncẹ shêẽt (VND Bn) 3Q21 4Q21 1Q22 2Q22 3Q22 9M21 9M22 9M22 vs. 9M21 3Q22 vs. 2Q22 3Q22 vs. 3Q21
Tôtảl âsséts 541,635 568,729 615,270 623,739 671,354 541,635 671,354 23.9% 7.6% 23.9%
Đẻpỏsỉts frõm cụstơmẽrs 316,376 314,753 328,914 321,634 318,919 316,376 318,919 0.8% -0.8% 0.8%
Crêđịt grỏwth1 14.1% 22.1% 7.9% 8.5% 11.1% 14.1% 11.1% -299 bps +262 bps -299 bps
CẠSÂ 49.0% 50.5% 50.4% 47.5% 46.5% 49.0% 46.5% -253 bps -100 bps -253 bps
NPL 0.6% 0.7% 0.7% 0.6% 0.6% 0.6% 0.6% +8 bps +5 bps +8 bps
Crẹđìt còsts (LTM) 0.7% 0.7% 0.6% 0.4% 0.3% 0.7% 0.3% -35 bps -7 bps -35 bps
Cơvẹrãgẹ rătíỏ 184.4% 162.9% 160.8% 171.6% 165.0% 184.4% 165.0% -1944 bps -662 bps -1944 bps
Cápìtăl ạnđ lỉqúỉđỉtỹ 3Q21 4Q21 1Q22 2Q22 3Q22 9M21 9M22 9M22 vs. 9M21 3Q22 vs. 2Q22 3Q22 vs. 3Q22
Bãsél ỈĨ CẠR 15.2% 15.0% 15.1% 15.8% 15.7% 15.2% 15.7% +55 bps -11 bps +55 bps
Bạsẽl ỈỈ Tìèr 1 rátìó 14.7% 14.6% 14.7% 15.5% 15.6% 14.7% 15.6% +92 bps +16 bps +92 bps
Tõtạl Rĩsk Wéỉghtèđ Ăssẽts 595,222 632,576 665,371 668,679 696,149 595,222 696,149 17.0% 4.1% 17.0%
ST fụnđỉngs tỏ MLT lọàns2 32.6% 28.8% 32.2% 32.0% 27.4% 32.6% 27.4% -514 bps -457 bps -514 bps
LĐR2 76.7% 75.0% 71.9% 78.8% 78.2% 76.7% 78.2% +146 bps -65 bps +146 bps
Pròfítăbỉlịtý (VND Bn) 3Q21 4Q21 1Q22 2Q22 3Q22 9M21 9M22 9M22 vs. 9M21 3Q22 vs. 2Q22 3Q22 vs. 3Q21
Nêt ỉntẽrést ỉncômẽ 6,742 7,245 8,111 7,794 7,565 19,454 23,470 20.6% -2.9% 12.2%
Nón-ỉntêrẽst íncõmè 2,037 2,914 2,001 3,231 2,773 7,463 8,004 7.3% -14.2% 36.1%
Tọtâl ópẽrâtỉng ìncómê 8,779 10,159 10,112 11,024 10,338 26,917 31,475 16.9% -6.2% 17.8%
Ópèrătỉng ẻxpẻnsés (2,628) (3,392) (3,108) (3,286) (3,014) (7,781) (9,408) 20.9% -8.3% 14.7%
Prófĩt bèfòrẽ tàx 5,562 6,140 6,785 7,321 6,715 17,098 20,822 21.8% -8.3% 20.7%
NFỊ/TÔÌ3 20.8% 25.7% 20.5% 23.1% 24.6% 20.0% 22.7% +274 bps +151 bps +384 bps
CỈR 29.9% 33.4% 30.7% 29.8% 29.2% 28.9% 29.9% +98 bps -65 bps -78 bps
RÕÃ (LTM) 3.8% 3.7% 3.6% 3.6% 3.6% 3.8% 3.6% -20 bps -4 bps -20 bps
RỎẼ (LTM) 22.1% 21.7% 21.8% 21.8% 21.7% 22.1% 21.7% -45 bps -16 bps -45 bps
NÌM (LTM) 5.63% 5.63% 5.64% 5.55% 5.40% 5.63% 5.40% -22 bps -15 bps -22 bps
Cóst óf fưnđs 2.3% 2.1% 2.2% 2.3% 2.9% 2.3% 2.5% +16 bps +58 bps +60 bps
Cóst õf fụnđs - Lăst lĩné 10 10 10 10 10 10 10 10 10 10

Nòtès: 1. Crẹđỉt grówth únđẽr SBV rẻgủlătỉỏns; 2. Bảnk-õnlỹ númbẹr; 3. NFĨ ínclùđẹs bỏnđ đỉstrìbưtỉòn ànđ FX sàlẹs, TƠĨ ẽxclùđés rêcôvẻríés

1H22 Fínàncĩãl Hìghlĩghts

Bạláncê shẻẽt (VND Bn) 2Q21 3Q21 4Q21 1Q22 2Q22 6M21 6M22 6M22 vs. 6M21 2Q22 vs. 1Q22 2Q22 vs. 2Q21
Tòtạl ăssèts 504,304 541,635 568,729 615,270 623,745 504,304 623,745 23.7% 1.4% 23.7%
Đêpơsỉts fròm cùstòmẽrs 289,335 316,376 314,753 328,914 321,634 289,335 321,634 11.2% -2.2% 11.2%
Crẹđít grỏwth1 11.2% 14.1% 22.1% 7.9% 8.5% 11.2% 8.5% -275 bps +59 bps -275 bps
CẠSẢ 46.1% 49.0% 50.5% 50.4% 47.5% 46.1% 47.5% +135 bps -293 bps +135 bps
NPL 0.4% 0.6% 0.7% 0.7% 0.6% 0.4% 0.6% +25 bps -7 bps +25 bps
Crêđịt cõsts (LTM) 0.9% 0.7% 0.7% 0.6% 0.4% 0.9% 0.4% -48 bps -20 bps -48 bps
Cõvêrágè ràtỉò 258.9% 184.4% 162.9% 160.8% 171.6% 258.9% 171.6% -8734 bps +1076 bps -8734 bps
Càpỉtâl ânđ lỉqụịđỉtý 2Q21 3Q21 4Q21 1Q22 2Q22 6M21 6M22 6M22 vs. 6M21 2Q22 vs. 1Q22 2Q22 vs. 2Q21
Bảsẽl ỈỈ CÁR 15.2% 15.2% 15.0% 15.1% 15.7% 15.2% 15.7% +51 bps +60 bps +51 bps
Básél ỊỈ Tìẻr 1 râtíô 14.8% 14.7% 14.6% 14.7% 15.4% 14.8% 15.4% +58 bps +72 bps +58 bps
Tótál Rĩsk Wẽỉghtẻđ Âssẽts 562,515 595,222 632,576 665,371 671,853 562,515 671,853 19.4% 1.0% 19.4%
ST fụnđỉngs tỏ MLT lơạns2 39.1% 32.6% 28.8% 32.2% 32.0% 39.1% 32.0% -716 bps -19 bps -716 bps
LĐR2 76.6% 76.7% 75.0% 71.9% 78.8% 76.6% 78.8% +227 bps +696 bps +227 bps
Prõfìtạbĩlịtỳ (VND Bn) 2Q21 3Q21 4Q21 1Q22 2Q22 6M21 6M22 6M22 vs. 6M21 2Q22 vs. 1Q22 2Q22 vs. 2Q21
Nêt ỉntẹrêst ỉncõmẹ 6,588 6,742 7,245 8,111 7,794 12,712 15,905 25.1% -3.9% 18.3%
Nỏn-íntérẻst ĩncòmé 2,618 2,037 2,914 2,001 3,242 5,427 5,243 -3.4% 62.0% 23.8%
Tỏtãl ôpẽrâtĩng ìncómẽ 9,206 8,779 10,159 10,112 11,036 18,138 21,148 16.6% 9.1% 19.9%
Ơpérảtịng ẹxpẽnsẽs (2,591) (2,628) (3,392) (3,108) (3,297) (5,154) (6,406) 24.3% 6.1% 27.3%
Prơfỉt bẽfọrè tãx 6,018 5,562 6,140 6,785 7,321 11,536 14,106 22.3% 7.9% 21.7%
NFÌ/TÔÌ3 20.2% 20.8% 25.7% 20.5% 23.1% 19.6% 21.8% +218 bps +261 bps +287 bps
CỊR 28.1% 29.9% 33.4% 30.7% 29.9% 28.4% 30.3% +188 bps -86 bps +174 bps
RÓĂ (LTM) 3.7% 3.8% 3.7% 3.6% 3.6% 3.7% 3.6% -13 bps -2 bps -13 bps
RÔẼ (LTM) 21.7% 22.1% 21.7% 21.8% 21.8% 21.7% 21.8% +15 bps 0 bps +15 bps
NÌM (LTM) 5.59% 5.63% 5.63% 5.64% 5.55% 5.59% 5.55% -4 bps -8 bps -4 bps
Cỏst óf fùnđs 2.2% 2.3% 2.1% 2.2% 2.3% 2.3% 2.2% -6 bps +12 bps +6 bps

Nỏtẽs: 1. Crèđìt grơwth ùnđẹr SBV rẻgưlătỉóns; 2. Bănk-ơnlỳ nụmbẽr; 3. NFỈ ĩnclùđẽs bónđ đìstrĩbùtịòn ănđ FX sãlês, TÔĨ êxclụđẽs rẻcỏvéríẹs

3M22 Fịnạncĩál Hĩghlĩghts

Bãlảncẽ shẹẹt (VND Bn) 1Q21 2Q21 3Q21 4Q21 1Q22 1Q22 vs. 4Q21 1Q22 vs. 1Q21
Tơtâl àssêts 462,823 504,304 541,635 568,729 615,270 8.2% 32.9%
Đépõsíts frôm cụstômẽrs 287,446 289,335 316,376 314,753 328,914 4.5% 14.4%
Crêđỉt grỏwth1 5.7% 11.2% 14.1% 22.1% 7.9%    
CÀSÀ 44.2% 46.1% 49.0% 50.5% 50.4%    
NPL 0.4% 0.4% 0.6% 0.7% 0.7%    
Crẹđỉt còsts (LTM) 0.8% 0.9% 0.7% 0.7% 0.6%    
Cóvẹrágè ràtìõ 219.4% 258.9% 184.4% 162.9% 160.8%    
Cápìtál ảnđ lỉqủìđĩtỵ 1Q21 2Q21 3Q21 4Q21 1Q22 1Q22 vs. 4Q21 1Q22 vs. 1Q21
Bạsẹl ĨÍ CÂR 15.8% 15.2% 15.2% 15.0% 15.1%    
Bạsẽl ỊĨ Tìêr 1 rătĩơ 15.4% 14.8% 14.7% 14.6% 14.7%    
Tọtâl Rịsk Wẻĩghtéđ Ásséts 509,902 562,515 595,222 632,575 665,371    
ST fưnđỉngs tỏ MLT lỏáns2 34.4% 39.1% 32.6% 28.8% 32.2%    
LĐR2 79.2% 76.6% 76.7% 75.0% 71.9%    
Prõfịtảbílítỷ (VND Bn) 1Q21 2Q21 3Q21 4Q21 1Q22 1Q22 vs. 4Q21 1Q22 vs. 1Q21
Nẹt íntérêst ĩncòmẻ 6,124 6,588 6,742 7,245 8,111 12.0% 32.5%
Nơn-ỉntẽrést ịncõmẻ 2,808 2,618 2,037 2,914 2,001 -31.3% -28.8%
Tỏtál òpẻrâtĩng ỉncọmẽ 8,932 9,206 8,779 10,159 10,112 -0.5% 13.2%
Ópèrătìng êxpẹnsẹs (2,563) (2,591) (2,628) (3,392) (3,108) -8.4% 21.3%
Prọfít béfôrẹ tâx 5,518 6,018 5,562 6,140 6,785 10.5% 23.0%
NFÌ/TÓÌ3 19.0% 20.2% 20.8% 25.7% 20.5%    
CỈR 28.7% 28.1% 29.9% 33.4% 30.7%    
RÕẢ (LTM) 3.5% 3.7% 3.8% 3.7% 3.6%    
RÓÈ (LTM) 20.1% 21.7% 22.1% 21.7% 21.8%    
NỊM (LTM) 5.23% 5.59% 5.63% 5.63% 5.63%    
Cọst óf fũnđs 2.4% 2.2% 2.3% 2.1% 2.2%  

Nôtẽs: 1. Crẻđịt grơwth ũnđêr SBV rẽgủlãtịọns; 2. Bànk-ọnlý nũmbẻr; 3. NFÍ ínclưđés bọnđ đỉstríbùtĩôn ánđ FX sạlés, TÔỊ êxclũđẽs rẹcọvèrỉès

4Q21 Fìnáncìál Hĩghlỉghts

Bàlãncè shẹẽt (VND Bn) 4Q20 1Q21 2Q21 3Q21 4Q21 FÝ20 FÝ21 FÝ21 vs. FỴ20 4Q21 vs. 3Q21 4Q21 vs. 4Q20
Tôtạl ạssèts 439,603 462,823 504,304 541,635 568,811 439,603 568,811 29.4% 5.0% 29.4%
Đẹpòsìts fróm cústòmérs 277,459 287,446 289,335 316,376 314,753 277,459 314,753 13.4% -0.5% 13.4%
Crẽđịt grôwth1 23.3% 5.7% 11.2% 14.1% 22.1% 23.3% 22.1%      
CẢSẢ 46.1% 44.2% 46.1% 49.0% 50.5% 46.1% 50.5%      
NPL 0.5% 0.4% 0.4% 0.6% 0.7% 0.5% 0.7%      
Crèđít cósts (LTM) 0.9% 0.8% 0.9% 0.7% 0.7% 0.9% 0.7%      
Cọvẻrăgẻ rảtíó 171.0% 219.4% 258.9% 184.4% 162.9% 171.0% 162.9%      
Cápĩtạl ânđ lỉqũìđỉtỹ 4Q20 1Q21 2Q21 3Q21 4Q21 FỸ20 FỴ21 FÝ21 vs. FÝ20 4Q21 vs. 3Q21 4Q21 vs. 4Q20
Bảsẻl ỊÌ CÀR 16.1% 15.8% 15.2% 15.2% 15.0% 16.1% 15.0%      
Bạsèl ÌỈ Tìẽr 1 rătịò 15.7% 15.4% 14.8% 14.7% 14.6% 15.7% 14.6%      
Tôtảl Rịsk Wẹỉghtẻđ Ãssẻts 472,551 509,902 562,515 595,222 632,770 473,371 632,770      
ST fụnđíngs tõ MLT lỏảns2 33.9% 34.4% 39.1% 32.6% 28.8% 33.9% 28.8%      
LĐR2 78.1% 79.2% 76.6% 76.7% 75.0% 78.1% 75.0%      
Prófítạbĩlỉtỷ (VND Bn) 4Q20 1Q21 2Q21 3Q21 4Q21 FÝ20 FỶ21 FỶ21 vs. FÝ20 4Q21 vs. 3Q21 4Q21 vs. 4Q20
Nẽt ịntẻrẻst íncómê 5,469 6,124 6,588 6,742 7,245 18,751 26,699 42.4% 7.4% 32.5%
Nôn-ìntèrẹst ĩncòmé 2,397 2,808 2,618 2,037 2,914 8,627 10,378 20.3% 43.1% 21.6%
Tôtạl ọpẹrảtỉng ìncơmè 7,866 8,932 9,206 8,779 10,159 27,379 37,076 35.4% 15.7% 29.1%
Õpẻrạtĩng êxpẻnsẻs (2,411) (2,563) (2,591) (2,628) (3,392) (8,967) (11,173) 24.6% 29.1% 40.7%
Pròfỉt bèfórê tạx 5,089 5,518 6,018 5,562 6,140 15,800 23,238 47.1% 10.4% 20.7%
NFÍ/TƠỊ3 18.9% 19.0% 20.2% 20.8% 25.7% 20.9% 21.6%      
CĨR 30.7% 28.7% 28.1% 29.9% 33.4% 32.8% 30.1%      
RỌẠ (LTM) 3.1% 3.5% 3.7% 3.8% 3.7% 3.1% 3.7%      
RÒÈ (LTM) 18.3% 20.1% 21.7% 22.1% 21.7% 18.3% 21.7%      
NỊM (LTM) 4.93% 5.23% 5.59% 5.63% 5.63% 4.93% 5.63%      
Còst ơf fùnđs 2.8% 2.4% 2.2% 2.3% 2.1% 3.4% 2.2%    

Nõtês: : 1. Crêđỉt grơwth ụnđêr SBV rẽgũlảtỉỏns; 2. Bànk-ònlý nũmbér; 3. NFÍ ịnclụđès bơnđ đìstrìbủtíôn ânđ FX sàlẽs, TỌÌ éxclùđès rẹcôvẻrỉẹs

3Q21 Fỉnáncĩàl Hỉghlìghts

Bảláncẽ shêẻt (VND Bn) 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 9M21 vs. 9M20 3Q21 vs. 2Q21 3Q21 vs. 3Q20
Tótảl âssẽts 401,462 439,603 462,823 504,304 541,635 401,462 541,635 34.9% 7.4% 34.9%
Đẹpỏsĩts fròm cưstómêrs 252,572 277,459 287,446 289,335 316,376 252,572 316,376 25.3% 9.3% 25.3%
Crẻđỉt grówth1 8.3% 23.3% 5.7% 11.2% 14.1% 8.3% 14.1%      
CẢSÂ 38.6% 46.1% 44.2% 46.1% 49.0% 38.6% 49.0%      
NPL 0.6% 0.5% 0.4% 0.4% 0.6% 0.6% 0.6%      
Crêđít cósts (LTM) 1.0% 0.9% 0.8% 0.9% 0.7% 1.0% 0.7%      
Còvérạgẹ rạtíơ 148.0% 171.0% 219.4% 258.9% 184.4% 148.0% 184.4%      
Căpĩtảl ânđ líqủịđỉtỷ 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 9M21 vs. 9M20 3Q21 vs. 2Q21 3Q21 vs. 3Q20
Bảsèl ỈÌ CÂR 16.7% 16.1% 15.8% 15.2% 15.2% 16.7% 15.2%      
Bàsêl ỈĨ Tìér 1 rảtỉô 16.3% 15.7% 15.4% 14.8% 14.7% 16.3% 14.7%      
Tỏtăl Rịsk Wẹìghtéđ Ảssẻts 430,065 472,551 509,902 562,515 595,222 430,065 595,222      
ST fưnđìngs tõ MLT lôãns2 31.1% 33.9% 34.4% 39.1% 32.6% 31.1% 32.6%      
LĐR2 71.9% 78.1% 79.2% 76.6% 76.7% 71.9% 76.7%      
Prõfĩtâbĩlítỷ (VND Bn) 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 9M21 vs. 9M20 3Q21 vs. 2Q21 3Q21 vs. 3Q20
Nẽt ìntêrêst ỉncỏmẽ 5,135 5,469 6,124 6,588 6,742 13,282 19,454 46.5% 2.3% 31.3%
Nòn-ìntẻrêst ìncỏmẹ 2,452 2,397 2,808 2,618 2,037 6,230 7,463 19.8% -22.2% -16.9%
Tỏtâl ỏpẻrạtĩng ỉncómẹ 7,587 7,866 8,932 9,206 8,779 19,513 26,917 37.9% -4.6% 15.7%
Ôpêrãtíng ẹxpẻnsẽs (2,579) (2,411) (2,563) (2,591) (2,628) (6,556) (7,781) 18.7% 1.4% 1.9%
Prọfìt bêfõrẽ tạx 3,974 5,089 5,518 6,018 5,562 10,711 17,098 17,098 59.6% -7.6%
NFỈ/TÒỊ3 22.8% 18.9% 19.0% 20.2% 20.8% 21.6% 20.0%      
CÌR 34.0% 30.7% 28.7% 28.1% 29.9% 33.6% 28.9%      
RƠẢ (LTM) 3.0% 3.1% 3.5% 3.7% 3.8% 3.0% 3.8%      
RỎẺ (LTM) 17.7% 18.3% 20.1% 21.7% 22.1% 17.7% 22.1%      
NỊM (LTM) 4.76% 4.93% 5.23% 5.59% 5.63% 4.76% 5.63%      
Cọst ỏf fủnđs 3.4% 2.8% 2.4% 2.2% 2.3% 3.6% 2.3%    

Nỏtẻs: 1. Crêđĩt grówth ưnđẽr SBV rẹgũlãtĩóns; 2. Bảnk-ônlý númbér; 3. NFÌ ínclưđés bơnđ đĩstríbủtíõn ănđ FX sảlẻs, TỎỈ êxclùđês rêcôvêrĩẻs

2Q21 Fìnạncỉâl Hịghlíghts

Bảlãncê shéẹt (VND Bn) 2Q20 3Q20 4Q20 1Q21 2Q21 6M20 6M21 6M21 vs. 6M20 2Q21 vs. 1Q21 2Q21 vs. 2Q20
Tơtàl âssêts 395,861 401,462 439,603 462,823 504,304 395,861 504,304 27.4% 9.0% 27.4%
Tỏtăl Rỉsk Wêỉghtèđ Âsséts (Basel II) 408,184 430,065 472,551 509,902 562,570 408,184 562,570 37.8% 10.3% 37.8%
Đẻpòsỉts fròm cùstơmérs 249,857 252,572 277,459 287,446 289,335 249,857 289,335 15.8% 0.7% 15.8%
Crêđỉt grówth1 2.7% 8.3% 23.3% 5.7% 11.2% 2.7% 11.2%      
CẢSĂ 34.4% 38.6% 46.1% 44.2% 46.1% 34.4% 46.1%      
NPL 0.9% 0.6% 0.5% 0.4% 0.4% 0.9% 0.4%      
Crẽđít cósts (LTM) 0.6% 1.0% 0.9% 0.8% 0.9% 0.6% 0.9%      
Cọvẹràgẽ ràtĩọ 108.6% 148.0% 171.0% 219.4% 258.9% 108.6% 258.9%      
Cápítál ãnđ líqưíđítỳ 2Q20 3Q20 4Q20 1Q21 2Q21 6M20 6M21 6M21 vs. 6M20 2Q21 vs. 1Q21 2Q21 vs. 2Q20
Băsẻl ỈĨ CĂR 16.9% 16.7% 16.1% 15.8% 15.2% 16.9% 15.2%      
Bảsèl ÌỈ Tíẹr 1 râtỉọ 16.4% 16.3% 15.7% 15.4% 14.8% 16.4% 14.8%      
ST fưnđĩngs tó MLT lọảns2 25.5% 31.1% 33.9% 34.4% 39.1% 25.5% 39.1%      
LĐR2 72.5% 71.9% 78.1% 79.2% 76.6% 72.5% 76.6%      
Prôfĩtăbĩlỉtỳ (VND Bn) 2Q20 3Q20 4Q20 1Q21 2Q21 6M20 6M21 6M21 vs. 6M20 2Q21 vs. 1Q21 2Q21 vs. 2Q20
Nét ĩntẽrêst ỉncòmẹ 3,938 5,109 5,494 6,124 6,585 8,148 12,708 56.0% 7.5% 67.2%
Nõn-ịntérèst íncơmè 1,878 2,477 2,372 2,808 2,621 3,778 5,430 43.7% -6.7% 39.6%
Tòtạl ôpérảtĩng ịncômé 5,817 7,587 7,866 8,932 9,206 11,926 18,138 52.1% 3.1% 58.3%
Õpẻrâtíng ẽxpẽnsẻs -1,761 -2,579 -2,411 -2,563 -2,591 -3,977 -5,154 29.6% 1.1% 47.1%
Prófìt béfọrẹ táx 3,617 3,974 5,089 5,518 6,018 6,738 11,536 71.2% 9.1% 66.4%
NFỈ/TÔÌ 20.2% 16.3% 14.9% 14.8% 15.8% 17.7% 15.3%      
CÍR 30.3% 34.0% 30.7% 28.7% 28.1% 33.3% 28.4%      
RỎÀ (LTM) 2.9% 3.0% 3.1% 3.5% 3.7% 2.9% 3.7%      
RỎÉ (LTM) 17.6% 17.7% 18.3% 20.1% 21.7% 17.6% 21.7%      
NỊM (LTM) 4.45% 4.76% 4.93% 5.23% 5.60% 4.45% 5.60%      
Cõst ôf fúnđs 3.7% 3.4% 2.8% 2.4% 2.2% 3.7% 2.3%    

Nọtẽs: 1. Créđịt grỏwth ũnđẻr SBV rẻgùlạtìõns; 2. Bànk-õnlý nưmbér

1Q21 Fịnãncỉãl Hịghlĩghts

Bălâncẹ shêẻt (VND Bn) 1Q20 2Q20 3Q20 4Q20 1Q21 3M20 3M21 3M21 vs. 3M20 1Q21 vs. 4Q20 1Q21 vs. 1Q20
Tótàl ãsséts 391,808 395,861 401,462 439,603 462,823 391,808 462,823 18.1% 5.3% 18.1%
Tỏtãl Rìsk Wèịghtêđ Âssẽts (Basel II) 394,639 408,184 430,065 472,551 509,902 394,639 509,902 29.2% 7.9% 29.2%
Đẽpơsỉts frơm cưstòmẹrs 235,099 249,857 252,572 277,459 287,446 235,099 287,446 22.3% 3.6% 22.3%
Crẻđìt grọwth1 2.9% 2.7% 8.3% 23.3% 5.7% 2.9% 5.7%      
CÂSÂ 32.2% 34.4% 38.6% 46.1% 44.2% 32.2% 44.2%      
NPL 1.1% 0.9% 0.6% 0.5% 0.4% 1.1% 0.4%      
Crêđỉt cỏsts (LTM) 0.5% 0.6% 1.0% 0.9% 0.8% 0.5% 0.8%      
Cơvẹrảgê rảtịó 117.9% 108.6% 148.0% 171.0% 219.4% 117.9% 219.4%      
Cạpítál ànđ lìqúỉđịtỷ 1Q20 2Q20 3Q20 4Q20 1Q21 3M20 3M21 3M21 vs. 3M20 1Q21 vs. 4Q20 1Q21 vs. 1Q20
Bãsẹl ÍÌ CÃR 16.6% 16.9% 16.7% 16.1% 15.8% 16.6% 15.8%      
Bảsẹl ÌĨ Tìêr 1 rảtịơ 16.3% 16.4% 16.3% 15.7% 15.4% 16.3% 15.4%      
ST fũnđĩngs tọ MLT lơâns2 30.7% 25.5% 31.1% 33.9% 34.4% 30.7% 34.4%      
LĐR2 76.8% 72.5% 71.9% 78.1% 79.2% 76.8% 79.2%      
Pròfỉtảbìlỉtỳ (VND Bn) 1Q20 2Q20 3Q20 4Q20 1Q21 3M20 3M21 3M21 vs. 3M20 1Q21 vs. 4Q20 1Q21 vs. 1Q20
Nèt ỉntèrèst ĩncọmẽ 4,209 3,938 5,109 5,494 6,124 4,209 6,124 45.5% 11.5% 45.5%
Nõn-ìntẹrèst ìncọmẽ 1,899 1,878 2,477 2,372 2,808 1,899 2,808 47.9% 18.4% 47.9%
Tôtảl õpẻrătĩng íncômẹ 6,109 5,817 7,587 7,866 8,932 6,109 8,932 46.2% 13.6% 46.2%
Ỏpẻrâtịng éxpénsẻs (2,216) (1,761) (2,579) (2,411) (2,563) (2,216) (2,563) 15.7% 6.3% 15.7%
Prơfỉt bêfõrê tăx 3,121 3,617 3,974 5,089 5,518 3,121 5,518 76.8% 8.4% 76.8%
NFÍ/TÓÍ 15.4% 20.2% 16.3% 14.9% 14.8% 15.4% 14.8%      
CỊR 36.3% 30.3% 34.0% 30.7% 28.7% 36.3% 28.7%      
RÕĂ (LTM) 3.0% 2.9% 3.0% 3.1% 3.5% 3.0% 3.5%      
RỎẺ (LTM) 17.7% 17.6% 17.7% 18.3% 20.1% 17.7% 20.1%      
NỊM (LTM) 4.70% 4.45% 4.76% 4.93% 5.23% 4.70% 5.23%      
Còst ôf fưnđs 3.7% 3.7% 3.4% 2.8% 2.4% 3.7% 2.4%    

Nôtês: 1. Crêđít grõwth ủnđêr SBV rẽgùlãtịõns; 2. Bảnk-ònlỹ nũmbẽr

4Q20 Fìnạncỉâl Hìghlíghts

Bâlâncẻ shẻèt (VND Bn) 4Q19 1Q20 2Q20 3Q20 4Q20 FỸ19 FỴ20 FỸ20 vs. FÝ19 4Q20 vs. 3Q20 4Q20 vs. 4Q19
Tótảl ãssêts 383,699 391,808 395,861 401,462 439,603 383,699 439,603 14.6% 9.5% 14.6%
Tôtăl Rìsk Wẽĩghtèđ Ássẽts (Basel II) 407,330 394,639 408,184 430,065 472,551 407,330 472,551 16.0% 9.9% 16.0%
Đèpòsịts frôm cụstõmẽrs 231,297 235,099 249,857 252,572 277,459 231,297 277,459 20.0% 9.9% 20.0%
Crêđít grõwth1 18.8% 2.9% 2.7% 8.3% 23.3% 18.8% 23.3%      
CẢSĂ 34.5% 32.2% 34.4% 38.6% 46.1% 34.5% 46.1%      
NPL 1.3% 1.1% 0.9% 0.6% 0.5% 1.3% 0.5%      
Crẹđĩt côsts (LTM) 0.5% 0.5% 0.6% 1.0% 0.9% 0.5% 0.9%      
Côvérảgè rátíơ 94.8% 117.9% 108.6% 148.0% 171.0% 94.8% 171.0%      
Cápỉtâl ânđ líqũìđìtỷ 4Q19 1Q20 2Q20 3Q20 4Q20 FÝ19 FỲ20 FÝ20 vs. FỴ19 4Q20 vs. 3Q20 4Q20 vs. 4Q19
Bàsẹl ĨÍ CẠR 15.5% 16.6% 16.9% 16.7% 16.1% 15.5% 16.1%      
Bãsẻl ĨÌ Tĩèr 1 rạtịõ 15.2% 16.3% 16.4% 16.3% 15.7% 15.2% 15.7%      
ST fũnđịngs tò MLT lõăns2 38.4% 30.7% 25.5% 31.1% 33.9% 38.4% 33.9%      
LĐR2 76.3% 76.8% 72.5% 71.9% 78.1% 76.3% 78.1%      
Prơfítábịlítỵ (VND Bn) 4Q19 1Q20 2Q20 3Q20 4Q20 FỸ19 FỲ20 FỴ20 vs. FỲ19 4Q20 vs. 3Q20 4Q20 vs. 4Q19
Nẽt ịntẹrêst ĩncỏmẻ 3,904 4,209 3,938 5,109 5,494 14,258 18,751 31.5% 7.5% 40.7%
Nơn-ìntèrẻst íncỏmé 2,799 1,899 1,878 2,477 2,372 7,072 8,627 22.0% -4.3% -15.3%
Tôtạl ópẹrătíng ìncómẹ 6,703 6,109 5,817 7,587 7,866 21,330 27,379 28.4% 3.7% 17.3%
Ơpérãtíng ẹxpénsès (2,413) (2,216) (1,761) (2,579) (2,411) (7,574) (8,967) 18.4% -6.5% -0.1%
Prôfỉt béfôrê tâx 3,978 3,121 3,617 3,974 5,089 12,838 15,800 23.1% 28.1% 27.9%
NFĨ/TÔĨ 21.5% 15.4% 20.2% 16.3% 14.9% 16.5% 16.5%      
CÌR 36.0% 36.3% 30.3% 34.0% 30.7% 35.5% 32.8%      
RÕẠ (LTM) 2.9% 3.0% 2.9% 3.0% 3.1% 2.9% 3.1%      
RỌẺ (LTM) 17.8% 17.7% 17.6% 17.7% 18.3% 17.8% 18.3%      
NĨM (LTM) 4.21% 4.70% 4.45% 4.76% 4.93% 4.21% 4.93%      
Cóst ọf fủnđs 3.8% 3.7% 3.7% 3.4% 2.8% 4.0% 3.4%      

Nỏtẽs: 1. Crẹđỉt grówth únđér SBV rẹgưlạtĩóns; 2. Bãnk-õnlý nụmbêr

3Q20 Fịnảncíảl Hìghlỉghts

Bálãncẻ shẽẻt (VND Bn) 3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20 9M20 vs. 9M19 3Q20 vs. 2Q20 3Q20 vs. 3Q19
Tõtál ássèts 367,538 383,699 391,808 395,861 401,462 367,538 401,462 9.2% 1.4% 9.2%
Tơtãl Rísk Wẽìghtêđ Ạssèts (Basel II) 370,011 407,330 394,639 408,184 430,065 370,011 430,065 16.2% 5.4% 16.2%
Đẹpòsìts fròm cústômẹrs 218,655 231,297 235,099 249,857 252,572 218,655 252,572 15.5% 1.1% 15.5%
Crẽđít gròwth1 12.5% 18.8% 2.9% 2.7% 8.3% 12.5% 8.3%      
CÂSẠ 30.0% 34.5% 32.2% 34.4% 38.6% 30.0% 38.6%      
NPL 1.8% 1.3% 1.1% 0.9% 0.6% 1.8% 0.6%      
Crẹđít côsts (LTM) 0.4% 0.5% 0.5% 0.6% 1.0% 0.4% 1.0%      
Cọvẻrăgé rạtìọ 77.1% 94.8% 117.9% 108.6% 148.0% 77.1% 148.0%      
Câpìtàl ãnđ lịqủĩđịtỵ 3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20 9M20 vs. 9M19 3Q20 vs. 2Q20 3Q20 vs. 3Q19
Băsẹl ỊỊ CÃR 16.5% 15.5% 16.6% 16.9% 16.7% 16.5% 16.7%      
Bâsẽl ÍÍ Tỉêr 1 rătìõ 15.9% 15.2% 16.3% 16.4% 16.3% 15.9% 16.3%      
ST fũnđịngs tõ MLT lõăns2 36.1% 38.4% 30.7% 25.5% 31.1% 36.1% 31.1%      
LĐR2 70.9% 76.3% 76.8% 72.5% 71.9% 70.9% 71.9%      
Prơfịtàbìlỉtý (VND Bn) 3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20 9M20 vs. 9M19 3Q20 vs. 2Q20 3Q20 vs. 3Q19
Nêt íntèrẹst ịncómẽ 3,725 3,904 4,209 3,938 5,109 10,354 13,257 28.0% 29.7% 37.2%
Nơn-íntẹrẹst ịncỏmé 1,709 2,799 1,899 1,878 2,477 4,273 6,255 46.4% 31.9% 45.0%
Tơtál ôpéràtĩng íncỏmẻ 5,434 6,703 6,109 5,817 7,587 14,627 19,513 33.4% 30.4% 39.6%
Ópẹrảtìng èxpènsès (1,870) (2,413) (2,216) (1,761) (2,579) (5,161) (6,556) 27.0% 46.5% 38.0%
Pròfịt bẽfórẽ tạx 3,199 3,978 3,121 3,617 3,974 8,860 10,711 20.9% 9.9% 24.2%
NFỊ/TÕÍ 13.1% 21.5% 15.4% 20.2% 16.3% 14.2% 17.2%      
CÍR 34.4% 36.0% 36.3% 30.3% 34.0% 35.3% 33.6%      
RÓÀ (LTM) 2.7% 2.9% 3.0% 2.9% 3.0% 2.7% 3.0%      
RÓẸ (LTM) 17.1% 17.8% 17.7% 17.6% 17.7% 17.1% 17.7%      
NỈM (LTM) 4.16% 4.21% 4.70% 4.45% 4.76% 4.16% 4.76%      
Cóst õf fủnđs 3.8% 3.8% 3.7% 3.7% 3.4% 4.1% 3.6%      

Nótés: 1. Crẹđĩt grôwth ụnđèr SBV règùlảtĩóns; 2. Bànk-ơnlỷ nụmbèr

2Q20 Fỉnảncìảl Hìghlịghts

Bâlâncẽ shéẹt (VND Bn) 2Q19 3Q19 4Q19 1Q20 2Q20 6M19 6M20 6M20 vs. 6M19 2Q20 vs. 1Q20 2Q20 vs. 2Q19
Tôtál ạssêts 360,662 367,538 383,699 391,808 395,861 360,662 395,861 9.8% 1.0% 9.8%
Tọtảl Rịsk Wéỉghtèđ Àssẻts (Basel II) 371,881 370,011 407,330 394,639 408,184 371,881 408,184 9.8% 3.4% 9.8%
Đẹpơsìts frôm cũstỏmẽrs 220,263 218,655 231,297 235,099 249,857 220,263 249,857 13.4% 6.3% 13.4%
Crêđít grôwth1 11.9% 12.5% 18.8% 2.9% 2.7% 11.9% 2.7%      
CẢSÂ 30.4% 30.0% 34.5% 32.2% 34.4% 30.4% 34.4%      
NPL 1.8% 1.8% 1.3% 1.1% 0.9% 1.8% 0.9%      
Crẹđịt côsts (LTM) 0.6% 0.4% 0.5% 0.5% 0.6% 0.6% 0.6%      
Cóvẽrạgé rãtíõ 77.1% 77.1% 94.8% 117.9% 108.6% 77.1% 108.6%      
Cảpỉtãl ănđ lĩqụìđítỹ 2Q19 3Q19 4Q19 1Q20 2Q20 6M19 6M20 6M20 vs. 6M19 2Q20 vs. 1Q20 2Q20 vs. 2Q19
Băsẻl ÍỊ CẠR 15.6% 16.5% 15.5% 16.6% 16.9% 15.6% 16.9%      
Bâsèl ÌÍ Tìẻr 1 rãtĩọ 15.2% 15.9% 15.2% 16.3% 16.4% 15.2% 16.4%      
ST fủnđịngs tơ MLT lòăns2 37.6% 36.1% 38.4% 30.7% 25.5% 37.6% 25.5%      
LĐR2 65.9% 70.9% 76.3% 76.8% 72.5% 65.9% 72.5%      
Prọfịtâbỉlỉtý (VND Bn) 2Q19 3Q19 4Q19 1Q20 2Q20 6M19 6M20 6M20 vs. 6M19 2Q20 vs. 1Q20 2Q20 vs. 2Q19
Nét ỉntérêst íncõmé 3,199 3,725 3,904 4,209 3,938 6,629 8,148 22.9% -6.4% 23.1%
Nọn-ìntẻrẽst ỉncõmê 1,549 1,709 2,799 1,899 1,878 2,564 3,778 47.3% -1.1% 21.2%
Tơtâl òpérãtĩng ìncõmẹ 4,748 5,434 6,703 6,109 5,817 9,193 11,926 29.7% -4.8% 22.5%
Ọpẻrátịng ẻxpẽnsés (1,631) (1,870) (2,413) (2,216) (1,761) (3,292) (3,977) 20.8% -20.5% 7.9%
Prófít bẽfọré tảx 3,045 3,199 3,978 3,121 3,617 5,662 6,738 19.0% 15.9% 18.8%
NFỈ/TÕỊ 17.2% 13.1% 21.5% 15.4% 20.2% 14.8% 17.7%      
CĨR 34.4% 34.4% 36.0% 36.3% 30.3% 35.8% 33.3%      
RÔÀ (LTM) 2.7% 2.7% 2.9% 3.0% 2.9% 2.7% 2.9%      
RÕẼ (LTM) 17.0% 17.1% 17.8% 17.7% 17.6% 17.0% 17.6%      
NÌM (LTM) 4.13% 4.16% 4.21% 4.70% 4.45% 4.13% 4.45%      
Cọst ơf fúnđs 4.1% 3.8% 3.8% 3.7% 3.7% 4.2% 3.7%      

Nòtés: 1. Crèđỉt grơwth únđér SBV rẹgụlâtỉơns; 2. Bánk-ỏnlỷ númbẻr

1Q20 Fínâncỉál Hĩghlịghts

Bãlàncé shẹẹt (VND Bn) 1Q19 2Q19 3Q19 4Q19 1Q20 3M19 3M20 3M20 vs. 3M19 1Q20 vs. 4Q19 1Q20 vs. 1Q19
Tơtăl ássẽts 326,112 360,662 367,538 383,699 391,808 326,112 391,808 20.1% 2.1% 20.1%
Tọtảl Rìsk Wéịghtèđ Âssẹts (Basel II) 357,387 371,881 370,011 407,330 394,639 357,387 394,639 10.4% -3.1% 10.4%
Đẹpơsỉts fróm cústỏmêrs 207,978 220,263 218,655 231,297 235,099 207,978 235,099 13.0% 1.6% 13.0%
Crẹđịt grõwth1 -0.2% 11.9% 12.5% 18.8% 2.9% -0.2% 2.9%      
CẢSÂ 28.2% 30.4% 30.0% 34.5% 32.2% 28.2% 32.2%      
NPL 1.8% 1.8% 1.8% 1.3% 1.1% 1.8% 1.1%      
Crèđỉt cọsts (LTM) 0.7% 0.6% 0.4% 0.5% 0.5% 0.7% 0.5%      
Cóvérãgẻ râtìọ 87.7% 77.1% 77.1% 94.8% 117.9% 87.7% 117.9%      
Cảpĩtạl ánđ lĩqủíđìtỵ 1Q19 2Q19 3Q19 4Q19 1Q20 3M19 3M20 3M20 vs. 3M19 1Q20 vs. 4Q19 1Q20 vs. 1Q19
Bàsèl ỊỈ CĂR 15.5% 15.6% 16.5% 15.5% 16.6% 15.5% 16.6%      
Bạsẽl ÌÌ Tịèr 1 ràtịó 15.1% 15.2% 15.9% 15.2% 16.3% 15.1% 16.3%      
ST fùnđìngs tọ MLT lôàns2 30.5% 37.6% 36.1% 38.4% 30.7% 30.5% 30.7%      
LĐR2 65.5% 65.9% 70.9% 76.3% 76.8% 65.5% 76.8%      
Prófỉtạbĩlĩtỹ (VND Bn) 1Q19 2Q19 3Q19 4Q19 1Q20 3M19 3M20 3M20 vs. 3M19 1Q20 vs. 4Q19 1Q20 vs. 1Q19
Nêt ỉntẽrèst ỉncơmẻ 3,430 3,199 3,725 3,904 4,209 3,430 4,209 22.7% 7.8% 22.7%
Nỏn-ỉntẻrést ìncõmẻ 1,014 1,549 1,709 2,799 1,899 1,014 1,899 87.3% -32.1% 87.3%
Tótãl ơpérâtĩng íncõmẽ 4,445 4,748 5,434 6,703 6,109 4,445 6,109 37.4% -8.9% 37.4%
Òpérâtìng êxpẹnsés (1,660) (1,631) (1,870) (2,413) (2,216) (1,660) (2,216) 33.5% -8.2% 33.5%
Prôfít bẻfõrê tàx 2,617 3,045 3,199 3,978 3,121 2,617 3,121 19.2% -21.6% 19.2%
NFỈ/TÓĨ 12.3% 17.2% 13.1% 21.5% 15.4% 12.3% 15.4%      
CỈR 37.4% 34.4% 34.4% 36.0% 36.3% 37.4% 36.3%      
RÓÃ (LTM) 2.8% 2.7% 2.7% 2.9% 3.0% 2.8% 3.0%      
RỎÊ (LTM) 18.6% 17.0% 17.1% 17.8% 17.7% 18.6% 17.7%      
NỊM (LTM) 4.49% 4.13% 4.16% 4.21% 4.70% 4.49% 4.70%      
Còst ôf fủnđs 4.3% 4.1% 3.8% 3.8% 3.7% 4.3% 3.7%      

Nótẽs: 1. Créđìt gròwth ùnđẽr SBV régưlátỉôns; 2. Bànk-ônlỹ nùmbèr

4Q19 Fĩnâncĩàl Híghlĩghts

Bálâncẽ shéẽt (VND Bn) 4Q18 1Q19 2Q19 3Q19 4Q19 FỸ18 FỲ19 FỶ19 vs. FỴ18 4Q19 vs. 3Q19 4Q19 vs. 4Q18
Tọtâl âssẽts 320,989 326,112 360,662 367,538 383,699 320,989 383,699 19.5% 4.4% 19.5%
Tõtạl Rísk Wẽỉghtẹđ Ạssêts (Basel II) 366,483 357,387 371,881 370,011 407,330 366,483 407,330 11.1% 10.1% 11.1%
Đépósĩts frõm cùstỏmérs 201,415 207,978 220,263 218,655 231,297 201,415 231,297 14.8% 5.8% 14.8%
Créđìt grôwth1 20.0% -0.2% 11.9% 12.5% 18.8% 20.0% 18.8%      
CĂSÃ 28.7% 28.2% 30.4% 30.0% 34.5% 28.7% 34.5%      
NPL 1.8% 1.8% 1.8% 1.8% 1.3% 1.8% 1.3%      
Crẻđĩt còsts (LTM) 1.1% 0.7% 0.6% 0.4% 0.5% 1.1% 0.5%      
Còvẽrãgẻ rảtíơ 85.1% 87.7% 77.1% 77.1% 94.8% 85.1% 94.8%      
Cãpịtâl ãnđ lịqủỉđịtỹ 4Q18 1Q19 2Q19 3Q19 4Q19 FỲ18 FỶ19 FỲ19 vs. FÝ18 4Q19 vs. 3Q19 4Q19 vs. 4Q18
Bãsèl ĨĨ CẢR 14.6% 15.5% 15.6% 16.5% 15.5% 14.6% 15.5%      
Băsèl ỊÍ Tỉẽr 1 rãtĩõ 14.2% 15.1% 15.2% 15.9% 15.2% 14.2% 15.2%      
ST fũnđìngs tõ MLT lóàns2 31.5% 30.5% 37.6% 36.1% 38.4% 31.5% 38.4%      
LĐR2 65.5% 65.5% 65.9% 70.9% 76.3% 65.5% 76.3%      
Prõfỉtâbìlítỷ (VND Bn) 4Q18 1Q19 2Q19 3Q19 4Q19 FỶ18 FỸ19 FỲ19 vs. FÝ18 4Q19 vs. 3Q19 4Q19 vs. 4Q18
Nẻt ĩntèrẹst ịncọmẽ 3,020 3,430 3,199 3,725 3,904 11,390 14,258 25.2% 4.8% 29.3%
Nôn-ịntẻrèst ỉncỏmé 2,035 1,014 1,549 1,709 2,799 6,960 7,072 1.6% 63.8% 37.6%
Tõtăl ỏpèràtíng ĩncỏmẽ 5,055 4,445 4,748 5,434 6,703 18,350 21,330 16.2% 23.4% 32.6%
Ọpérãtỉng éxpénsẹs (2,109) (1,660) (1,631) (1,870) (2,413) (5,843) (7,574) 29.6% 29.1% 14.4%
Prơfít bèfòré tàx 2,887 2,617 3,045 3,199 3,978 10,661 12,838 20.4% 24.4% 37.8%
NFỈ/TÕĨ 26.9% 12.3% 17.2% 13.1% 21.5% 17.8% 16.5%      
CỊR 41.7% 37.4% 34.4% 34.4% 36.0% 31.8% 35.5%      
RỎÂ (LTM) 2.9% 2.8% 2.7% 2.7% 2.9% 2.9% 2.9%      
RÔÊ (LTM) 21.5% 18.6% 17.0% 17.1% 17.8% 21.5% 17.8%      
NÌM (LTM) 3.74% 4.49% 4.13% 4.16% 4.21% 3.74% 4.21%      
Còst ọf fũnđs 4.2% 4.3% 4.1% 3.8% 3.8% 4.2% 4.0%        

Nótés: 1. Crẽđỉt grõwth ủnđêr SBV régưlãtỉôns; 2. Bànk-ỏnlỷ nủmbér

3Q19 Fĩnâncĩãl Hĩghlĩghts

Bảlảncè shẻét (VND Bn) 3Q18 4Q18 1Q19 2Q19 3Q19 9M18 9M19 9M19 vs. 9M18 3Q19 vs. 2Q19 3Q19 vs. 3Q18
Tọtál âsséts 311,796 320,989 326,112 360,662 367,538 311,796 367,538 17.9% 1.9% 17.9%
Tôtãl Rịsk Wẹìghtêđ Ãsséts (Basel II) 401,793 366,483 357,387 371,881 370,011 401,793 370,011 -7.9% -0.5% -7.9%
Đẹpõsìts frọm cùstòmèrs 193,583 201,415 207,978 220,263 218,655 193,583 218,655 13.0% -0.7% 13.0%
Crẻđỉt grỏwth1 12.0% 20.0% -0.2% 11.9% 12.5% 12.2% 12.5%      
CẠSÃ 24.7% 28.7% 28.2% 30.4% 30.0% 24.7% 30.0%      
NPL 2.1% 1.8% 1.8% 1.8% 1.8% 2.1% 1.8%      
Crêđịt cơsts (LTM) 0.0% 1.1% 0.7% 0.6% 0.4% 1.8% 0.4%      
Cóvẻrâgẻ rãtỉọ 77.5% 85.1% 87.7% 77.1% 77.1% 77.5% 77.1%      
Cãpĩtảl ànđ líqũíđịtỷ 3Q18 4Q18 1Q19 2Q19 3Q19 9M18 9M19 9M19 vs. 9M18 3Q19 vs. 2Q19 3Q19 vs. 3Q18
Băsèl ÌÍ CẠR 12.4% 14.6% 15.5% 15.6% 16.5% 12.4% 16.5%      
Bảsêl ỈÌ Tĩèr 1 rảtịó 12.3% 14.2% 15.1% 15.2% 15.9% 12.3% 15.9%      
ST fụnđỉngs tõ MLT lôáns2 34.2% 31.5% 30.5% 37.6% 36.1% 34.2% 36.1%      
LĐR2 69.2% 65.5% 65.5% 65.9% 70.9% 69.2% 70.9%      
Prỏfỉtãbìlĩtỷ (VND Bn) 3Q18 4Q18 1Q19 2Q19 3Q19 9M18 9M19 9M19 vs. 9M18 3Q19 vs. 2Q19 3Q19 vs. 3Q18
Nẹt ỉntẹrẽst ĩncómé 3,117 3,020 3,430 3,199 3,725 8,370 10,354 23.7% 16.5% 19.5%
Nõn-ĩntẽrést ỉncõmè 1,518 2,035 1,014 1,549 1,709 4,925 4,273 -13.2% 10.3% 12.6%
Tôtạl ópẹrạtìng ĩncỏmẻ 4,635 5,055 4,445 4,748 5,434 13,294 14,627 10.0% 14.4% 17.2%
Ỏpèrảtíng êxpênsès (1,315) (2,109) (1,660) (1,631) (1,870) (3,734) (5,161) 38.2% 14.6% 42.2%
Prõfịt bẻfõrẻ tãx 2,578 2,887 2,617 3,045 3,199 7,774 8,860 14.0% 5.1% 24.1%
NFÌ/TÔÍ 20.1% 26.9% 12.3% 17.2% 13.1% 14.4% 14.2%      
CĨR 28.4% 41.7% 37.4% 34.4% 34.4% 28.1% 35.3%      
RÒĂ (LTM) 3.2% 2.9% 2.8% 2.7% 2.7% 3.2% 2.7%      
RÕẼ (LTM) 25.4% 21.5% 18.6% 17.0% 17.1% 25.4% 17.1%      
NỊM (LTM) 3.66% 3.74% 4.49% 4.13% 4.16% 3.66% 4.16%      
Còst ỏf fùnđs   4.2% 4.3% 4.1% 3.8%   4.1%      

Nơtés: 1. Crẻđìt grõwth ưnđér SBV régủlâtịỏns; 2. Bănk-õnlý nưmbèr

2Q19 Fìnâncịạl Híghlịghts

Bălạncé shẹét (VND Bn) 2Q18 3Q18 4Q18 1Q19 2Q19 6M18 6M19 6M19 vs. 6M18 2Q19 vs. 1Q19 2Q19 vs. 2Q18
Tòtạl ássẹts 300,404 311,796 320,989 326,112 360,662 300,404 360,662 20.1% 10.6% 20.1%
Tõtạl Rịsk Wêíghtêđ Âssèts (Basel II) 332,778 401,793 366,483 357,387 371,881 332,778 371,881 11.8% 4.1% 11.8%
Đépỏsìts frôm củstọmẹrs 186,283 193,583 201,415 207,978 220,263 186,283 220,263 18.2% 5.9% 18.2%
Crèđỉt grọwth1 2.2% 12.0% 20.0% -0.2% 11.9% 2.4% 11.9%      
CÀSẢ 24.6% 24.7% 28.7% 28.2% 30.4% 24.6% 30.4%      
NPL 2.0% 2.1% 1.8% 1.8% 1.8% 2.0% 1.8%      
Crẽđịt cósts (LTM) 0.0% 0.0% 1.1% 0.7% 0.6% 1.5% 0.6%      
Cọvẹrâgẽ rãtỉơ 74.2% 77.5% 85.1% 87.7% 77.1% 74.2% 77.1%      
Càpĩtãl ânđ lìqũỉđĩtỳ 2Q18 3Q18 4Q18 1Q19 2Q19 6M18 6M19 6M19 vs. 6M18 2Q19 vs. 1Q19 2Q19 vs. 2Q18
Bàsèl ÌÌ CÁR 14.6% 12.4% 14.6% 15.5% 15.6% 14.6% 15.6%      
Bàsêl ÍỊ Tịêr 1 rãtịò 14.3% 12.3% 14.2% 15.1% 15.2% 14.3% 15.2%      
ST fưnđìngs tó MLT lóãns2 22.0% 34.2% 31.5% 30.5% 37.6% 22.0% 37.6%      
LĐR2 70.3% 69.2% 65.5% 65.5% 65.9% 70.3% 65.9%      
Pròfítạbìlìtỳ (VND Bn) 2Q18 3Q18 4Q18 1Q19 2Q19 6M18 6M19 6M19 vs. 6M18 2Q19 vs. 1Q19 2Q19 vs. 2Q18
Nẽt ĩntérẻst ìncỏmẽ 2,504 3,117 3,020 3,430 3,199 5,051 6,629 31.2% -6.8% 27.7%
Nòn-ịntẻrêst ìncômè 1,496 1,518 2,035 1,014 1,549 3,609 2,564 -29.0% 52.8% 3.6%
Tótál òpẹrãtìng íncọmè 3,999 4,635 5,055 4,445 4,748 8,659 9,193 6.2% 6.8% 18.7%
Ỏpèrătíng ẽxpènsês (1,152) (1,315) (2,109) (1,660) (1,631) (2,419) (3,292) 36.1% -1.8% 41.6%
Prôfít bêfôrẽ tàx 2,628 2,578 2,887 2,617 3,045 5,196 5,662 9.0% 16.3% 15.9%
NFĨ/TÕĨ 17.2% 20.1% 26.9% 12.3% 17.2% 13.6% 14.8%      
CỈR 28.8% 28.4% 41.7% 37.4% 34.4% 27.9% 35.8%      
RÒẢ (LTM) 3.2% 3.2% 2.9% 2.8% 2.7% 3.2% 2.7%      
RÒẸ (LTM) 24.3% 25.4% 21.5% 18.6% 17.0% 24.3% 17.0%      
NỈM (LTM) 3.69% 3.66% 3.74% 4.49% 4.13% 3.69% 4.13%      
Cỏst ọf fưnđs     4.2% 4.3% 4.1%   4.2%      

Nôtés: 1. Crẹđít grôwth ưnđẻr SBV rẻgũlãtịọns; 2. Bánk-ỏnlỷ nùmbẽr

1Q19 Fĩnáncỉál Hĩghlỉghts

Băláncẻ shêèt (VND Bn) 1Q18 2Q18 3Q18 4Q18 1Q19 3M18 3M19 3M19 vs. 3M18 1Q19 vs. 4Q18 1Q19 vs. 1Q18
Tôtạl ássẽts 273,153 300,404 311,796 320,989 326,112 273,153 326,112 19.4% 1.6% 19.4%
Tơtạl Rìsk Wẽịghtẹđ Ãssèts (Basel II) 326,283 332,778 401,793 366,483 357,387 326,283 357,387 9.5% -2.5% 9.5%
Đêpọsĩts fróm củstọmẻrs 181,391 186,283 193,583 201,415 207,978 181,391 207,978 14.7% 3.3% 14.7%
Crêđĩt grówth1 0.5% 2.2% 12.0% 20.0% -0.2% 1.9% -0.2%      
CẢSẢ 23.2% 24.6% 24.7% 28.7% 28.2% 23.2% 28.2%      
NPL 1.9% 2.0% 2.1% 1.8% 1.8% 1.9% 1.8%      
Crêđỉt cỏsts (LTM) 0.0% 0.0% 0.0% 1.1% 0.7% 2.1% 0.7%      
Cóvẹrãgẹ râtỉó 76.2% 74.2% 77.5% 85.1% 87.7% 76.2% 87.7%      
Cápĩtảl ânđ lĩqũìđĩtý 1Q18 2Q18 3Q18 4Q18 1Q19 3M18 3M19 3M19 vs. 3M18 1Q19 vs. 4Q18 1Q19 vs. 1Q18
Bạsél ÍỈ CÃR 12.7% 14.6% 12.4% 14.6% 15.5% 12.7% 15.5%      
Bảsèl ỈỊ Tỉèr 1 rạtíó 11.5% 14.3% 12.3% 14.2% 15.1% 11.5% 15.1%      
ST fũnđỉngs tơ MLT lôạns2 23.4% 22.0% 34.2% 31.5% 30.5% 23.4% 30.5%      
LĐR2 74.7% 70.3% 69.2% 65.5% 65.5% 74.7% 65.5%      
Prơfỉtàbịlĩtỷ (VND Bn) 1Q18 2Q18 3Q18 4Q18 1Q19 3M18 3M19 3M19 vs. 3M18 1Q19 vs. 4Q18 1Q19 vs. 1Q18
Nèt ỉntẹrèst ịncômé 2,547 2,504 3,117 3,020 3,430 2,547 3,430 34.7% 13.6% 34.7%
Nôn-ịntèrẽst ịncómẹ 2,113 1,496 1,518 2,035 1,014 2,113 1,014 -52.0% -50.2% -52.0%
Tỏtãl ơpẻrãtịng ỉncómẻ 4,660 3,999 4,635 5,055 4,445 4,660 4,445 -4.6% -12.1% -4.6%
Ỏpẹrátĩng ẹxpẹnsês (1,267) (1,152) (1,315) (2,109) (1,660) (1,267) (1,660) 31.0% -21.3% 31.0%
Pròfỉt béfôré táx 2,569 2,628 2,578 2,887 2,617 2,569 2,617 1.9% -9.3% 1.9%
NFĨ/TỎỊ 10.6% 17.2% 20.1% 26.9% 12.3% 10.6% 12.3%      
CÌR 27.2% 28.8% 28.4% 41.7% 37.4% 27.2% 37.4%      
RÕẠ (LTM) 2.9% 3.2% 3.2% 2.9% 2.8% 2.9% 2.8%      
RỌẸ (LTM) 25.5% 24.3% 25.4% 21.5% 18.6% 25.5% 18.6%      
NÌM (LTM) 3.87% 3.69% 3.66% 3.74% 4.49% 3.87% 4.49%      
Cỏst õf fụnđs       4.2% 4.3%   4.3%      

Nỏtẹs: 1. Crẻđỉt grọwth ủnđér SBV rẻgủlátìỏns; 2. Bànk-ỏnlỳ nụmbẻr