Financial Highlights
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Financial Highlights
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Year
Quarter
3Q21 Financial Highlights
Balance sheet (VND Bn) 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 9M21 vs. 9M20 3Q21 vs. 2Q21 3Q21 vs. 3Q20
Total assets
401,462
439,603
462,823
504,304
541,635
401,462
541,635
34.9%
7.4%
34.9%
Deposits from customers
252,572
277,459
287,446
289,335
316,376
252,572
316,376
25.3%
9.3%
25.3%
Credit growth1
8.3%
23.3%
5.7%
11.2%
14.1%
8.3%
14.1%
 
 
 
CASA
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%
 
 
 
Credit costs (LTM)
1.0%
0.9%
0.8%
0.9%
0.7%
1.0%
0.7%
 
 
 
Coverage ratio
148.0%
171.0%
219.4%
258.9%
184.4%
148.0%
184.4%
 
 
 
Capital and liquidity 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 9M21 vs. 9M20 3Q21 vs. 2Q21 3Q21 vs. 3Q20
Basel II CAR
16.7%
16.1%
15.8%
15.2%
15.2%
16.7%
15.2%
 
 
 
Basel II Tier 1 ratio
16.3%
15.7%
15.4%
14.8%
14.7%
16.3%
14.7%
 
 
 
Total Risk Weighted Assets
430,065
472,551
509,902
562,515
595,222
430,065
595,222
 
 
 
ST fundings to MLT loans2
31.1%
33.9%
34.4%
39.1%
32.6%
31.1%
32.6%
 
 
 
LDR2
71.9%
78.1%
79.2%
76.6%
76.7%
71.9%
76.7%
 
 
 
Profitability (VND Bn) 3Q20 4Q20 1Q21 2Q21 3Q21 9M20 9M21 9M21 vs. 9M20 3Q21 vs. 2Q21 3Q21 vs. 3Q20
Net interest income
5,135
5,469
6,124
6,588
6,742
13,282
19,454
46.5%
2.3%
31.3%
Non-interest income
2,452
2,397
2,808
2,618
2,037
6,230
7,463
19.8%
-22.2%
-16.9%
Total operating income
7,587
7,866
8,932
9,206
8,779
19,513
26,917
37.9%
-4.6%
15.7%
Operating expenses
(2,579)
(2,411)
(2,563)
(2,591)
(2,628)
(6,556)
(7,781)
18.7%
1.4%
1.9%
Profit before tax
3,974
5,089
5,518
6,018
5,562
10,711
17,098
59.6%
-7.6%
40.0%
NFI/TOI3
22.8%
18.9%
19.0%
20.2%
20.8%
21.6%
20.0%
 
 
 
CIR
34.0%
30.7%
28.7%
28.1%
29.9%
33.6%
28.9%
 
 
 
ROA (LTM)
3.0%
3.1%
3.5%
3.7%
3.8%
3.0%
3.8%
 
 
 
ROE (LTM)
17.7%
18.3%
20.1%
21.7%
22.1%
17.7%
22.1%
 
 
 
NIM (LTM)
4.76%
4.93%
5.23%
5.59%
5.63%
4.76%
5.63%
 
 
 
Cost of funds
3.4%
2.8%
2.4%
2.2%
2.3%
3.6%
2.3%
 
 
 
Notes : 1. Credit growth under SBV regulations; 2. Bank-only number; 3. NFI includes bond distribution and FX sales, TOI excludes recoveries