Financial Highlights
2021
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