By Helgi Library - March 1, 2020
BIDV made a net profit of VND 2,990 bil under revenues of VND 15,430 bil in the fourth quarter of 2019, up 260% and 77.2% ...
By Helgi Library - March 1, 2020
BIDV stock traded at VND 46,150 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 8,010 mil. ...
By Helgi Library - March 1, 2020
BIDV's customer deposits reached VND 773,163 bil in 2016-12-31, up 6.50% compared to the previous year. Vietnamese banking sect...
Profit Statement | 2017 | 2018 | 2019 | |
Net Interest Income | VND bil | 31,141 | 35,019 | 36,021 |
Net Fee Income | VND bil | 2,966 | 3,551 | 4,284 |
Other Income | VND bil | 8,721 | 6,029 | 12,437 |
Total Revenues | VND bil | 42,827 | 44,599 | 52,742 |
Staff Cost | VND bil | 8,500 | 8,880 | 9,733 |
Operating Profit | VND bil | 26,008 | 26,960 | 34,305 |
Provisions | VND bil | 14,847 | 18,894 | 20,009 |
Net Profit | VND bil | 6,787 | 3,775 | 8,487 |
Balance Sheet | 2017 | 2018 | 2019 | |
Interbank Loans | VND bil | 118,355 | 104,113 | 54,290 |
Customer Loans | VND bil | 855,536 | 976,334 | 1,102,490 |
Total Assets | VND bil | 1,202,280 | 1,313,040 | 1,490,100 |
Shareholders' Equity | VND bil | 48,834 | 54,552 | 77,766 |
Interbank Borrowing | VND bil | 172,401 | 169,118 | 189,972 |
Customer Deposits | VND bil | 922,223 | 1,000,550 | 1,139,390 |
Issued Debt Securities | VND bil | 30,337 | 56,784 | 45,397 |
Ratios | 2017 | 2018 | 2019 | |
ROE | % | 14.6 | 7.30 | 12.8 |
ROA | % | 0.615 | 0.300 | 0.606 |
Costs (As % Of Assets) | % | 1.52 | 1.40 | 1.32 |
Costs (As % Of Income) | % | 39.3 | 39.6 | 35.0 |
Capital Adequacy Ratio | % | 10.9 | ... | ... |
Net Interest Margin | % | 2.82 | 2.78 | 2.57 |
Loans (As % Of Deposits) | % | 92.8 | 97.6 | 96.8 |
NPLs (As % Of Loans) | % | 1.62 | 1.90 | 1.74 |
Provisions (As % Of NPLs) | % | 80.7 | 66.0 | 74.2 |
Valuation | 2017 | 2018 | 2019 | |
Price/Earnings (P/E) | 17.0 | 58.7 | 19.1 | |
Price/Book Value (P/BV) | 1.79 | 2.16 | 2.09 | |
Dividend Yield | % | 2.75 | ... | ... |
Earnings Per Share (EPS) | VND | 1,499 | 586 | 2,414 |
Book Value Per Share | VND | 14,284 | 15,957 | 22,123 |
Dividend Per Share | VND | 700 | ... | ... |
Get all company financials in excel:
summary | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
income statement | ||||||||||||||
Net Interest Income | VND bil | ... | 14,997 | 17,093 | 19,353 | 24,256 | 31,141 | |||||||
Total Revenues | VND bil | ... | 20,749 | 23,809 | 27,095 | 33,931 | 42,827 | |||||||
Operating Profit | VND bil | ... | 12,441 | 14,339 | 14,840 | 18,496 | 26,008 | |||||||
Net Profit | VND bil | ... | 4,031 | 4,948 | 6,298 | 6,104 | 6,787 | |||||||
balance sheet | ||||||||||||||
Interbank Loans | VND bil | 47,656 | 50,062 | 67,098 | 61,865 | 118,355 | ||||||||
Customer Loans | VND bil | 384,890 | 439,070 | 590,917 | 713,633 | 855,536 | ||||||||
Debt Securities | VND bil | 70,221 | 100,730 | 130,817 | 154,766 | 156,261 | ||||||||
Total Assets | VND bil | 548,386 | 650,340 | 850,507 | 1,006,380 | 1,202,280 | ||||||||
Shareholders' Equity | VND bil | 32,293 | 33,606 | 42,336 | 44,115 | 48,834 | ||||||||
Interbank Borrowing | VND bil | 96,125 | 118,231 | 162,552 | 149,818 | 172,401 | ||||||||
Customer Deposits | VND bil | 361,423 | 445,127 | 609,543 | 773,163 | 922,223 | ||||||||
Issued Debt Securities | VND bil | 46,149 | 38,944 | 18,594 | 16,936 | 30,337 | ||||||||
ratios | ||||||||||||||
ROE | % | ... | ... | 13.7 | 15.0 | 16.6 | 14.1 | 14.6 | ||||||
ROA | % | ... | ... | 0.780 | 0.826 | 0.839 | 0.657 | 0.615 | ||||||
Costs (As % Of Assets) | % | ... | ... | 1.61 | 1.58 | 1.63 | 1.66 | 1.52 | ||||||
Costs (As % Of Income) | % | ... | 40.0 | 39.8 | 45.2 | 45.5 | 39.3 | |||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.9 | ... | ... |
Net Interest Margin | % | ... | ... | 2.90 | 2.85 | 2.58 | 2.61 | 2.82 | ||||||
Interest Income (As % Of Revenues) | % | ... | 72.3 | 71.8 | 71.4 | 71.5 | 72.7 | |||||||
Fee Income (As % Of Revenues) | % | ... | 7.55 | 7.57 | 8.62 | 7.41 | 6.92 | |||||||
Staff Cost (As % Of Total Cost) | % | ... | 48.5 | 51.9 | 51.0 | 48.1 | 50.5 | |||||||
Equity (As % Of Assets) | % | 5.89 | 5.17 | 4.98 | 4.38 | 4.06 | ||||||||
Loans (As % Of Deposits) | % | 106 | 98.6 | 96.9 | 92.3 | 92.8 | ||||||||
Loans (As % Assets) | % | 70.2 | 67.5 | 69.5 | 70.9 | 71.2 | ||||||||
NPLs (As % Of Loans) | % | 2.26 | 2.03 | 1.68 | 1.99 | 1.62 | ||||||||
Provisions (As % Of NPLs) | % | 69.5 | 73.1 | 74.8 | 69.8 | 80.7 | ||||||||
valuation | ||||||||||||||
Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | ... | 1,670 | 3,132 | 2,132 | 3,839 | ||
Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | 2,776 | 2,943 | 3,122 | 3,418 | 3,419 | ||
Share Price (End Of Period) | VND | ... | ... | ... | ... | ... | ... | ... | 12,132 | 20,600 | 14,200 | 25,500 | ||
Earnings Per Share (EPS) | VND | ... | ... | ... | ... | ... | ... | 1,452 | 1,325 | 1,579 | 1,345 | 1,499 | ||
Book Value Per Share | VND | ... | ... | ... | ... | ... | ... | 11,632 | 11,419 | 13,560 | 12,907 | 14,284 | ||
Dividend Per Share | VND | ... | ... | ... | ... | ... | ... | ... | 974 | 0 | 700 | 700 | ... | ... |
Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | ... | 9.16 | 13.0 | 10.6 | 17.0 | |||
Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | ... | 1.06 | 1.52 | 1.10 | 1.79 | |||
Dividend Yield | % | ... | ... | ... | ... | ... | ... | ... | 8.03 | 0 | 4.93 | 2.75 | ... | ... |
Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | -8.74 | 19.2 | -14.8 | 11.4 | ||
Book Value Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | -1.83 | 18.7 | -4.82 | 10.7 |
income statement | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
income statement | ||||||||||||||
Interest Income | VND bil | ... | 43,977 | 44,233 | 49,044 | 63,421 | 78,814 | |||||||
Interest Cost | VND bil | ... | 28,980 | 27,140 | 29,690 | 39,166 | 47,673 | |||||||
Net Interest Income | VND bil | ... | 14,997 | 17,093 | 19,353 | 24,256 | 31,141 | |||||||
Net Fee Income | VND bil | ... | 1,567 | 1,803 | 2,337 | 2,513 | 2,966 | |||||||
Other Income | VND bil | ... | 4,185 | 4,914 | 5,406 | 7,162 | 8,721 | |||||||
Total Revenues | VND bil | ... | 20,749 | 23,809 | 27,095 | 33,931 | 42,827 | |||||||
Staff Cost | VND bil | ... | 4,027 | 4,920 | 6,256 | 7,429 | 8,500 | |||||||
Depreciation | VND bil | ... | ... | ... | ... | 377 | 533 | ... | 772 | ... | ||||
Other Cost | VND bil | ... | ... | ... | ... | 4,174 | 5,467 | ... | 7,547 | ... | ||||
Operating Cost | VND bil | ... | 8,308 | 9,471 | 12,255 | 15,435 | 16,820 | |||||||
Operating Profit | VND bil | ... | 12,441 | 14,339 | 14,840 | 18,496 | 26,008 | |||||||
Provisions | VND bil | ... | 6,483 | 6,986 | 5,676 | 9,200 | 14,847 | |||||||
Extra and Other Cost | VND bil | ... | 668 | 1,056 | 1,215 | 1,629 | 2,495 | |||||||
Pre-Tax Profit | VND bil | ... | 5,290 | 6,297 | 7,949 | 7,668 | 8,665 | |||||||
Tax | VND bil | ... | 1,239 | 1,311 | 1,572 | 1,471 | 1,720 | |||||||
Minorities | VND bil | ... | 20.3 | 37.8 | 78.7 | 92.1 | 159 | |||||||
Net Profit | VND bil | ... | 4,031 | 4,948 | 6,298 | 6,104 | 6,787 | |||||||
Dividends | VND bil | ... | ... | ... | ... | ... | ... | ... | 2,867 | 0 | 2,393 | 2,393 | ... | ... |
growth rates | ||||||||||||||
Net Interest Income Growth | % | ... | ... | ... | 14.0 | 13.2 | 25.3 | 28.4 | ||||||
Net Fee Income Growth | % | ... | ... | ... | 15.0 | 29.6 | 7.54 | 18.0 | ||||||
Total Revenue Growth | % | ... | ... | ... | 14.8 | 13.8 | 25.2 | 26.2 | ||||||
Operating Cost Growth | % | ... | ... | ... | 14.0 | 29.4 | 25.9 | 8.97 | ||||||
Operating Profit Growth | % | ... | ... | ... | 15.3 | 3.50 | 24.6 | 40.6 | ||||||
Pre-Tax Profit Growth | % | ... | ... | ... | 19.0 | 26.2 | -3.54 | 13.0 | ||||||
Net Profit Growth | % | ... | ... | ... | 22.8 | 27.3 | -3.08 | 11.2 | ||||||
market share | ||||||||||||||
Market Share in Revenues | % | ... | ... | 11.7 | 12.9 | 13.0 | 14.2 | ... | ... | ... | ||||
Market Share in Net Profit | % | ... | ... | 13.4 | 28.9 | 20.2 | 14.8 | ... | ... | ... |
balance sheet | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
balance sheet | ||||||||||||||
Cash | VND bil | 16,698 | 28,491 | 28,308 | 43,817 | 37,622 | ||||||||
Interbank Loans | VND bil | 47,656 | 50,062 | 67,098 | 61,865 | 118,355 | ||||||||
Customer Loans | VND bil | 384,890 | 439,070 | 590,917 | 713,633 | 855,536 | ||||||||
Retail Loans | VND bil | ... | ... | ... | ... | 137,950 | 199,317 | 269,328 | ... | |||||
Corporate Loans | VND bil | ... | ... | ... | ... | 460,290 | 524,327 | 597,428 | ... | |||||
Debt Securities | VND bil | 70,221 | 100,730 | 130,817 | 154,766 | 156,261 | ||||||||
Fixed Assets | VND bil | 4,985 | 6,438 | 8,075 | 9,173 | 9,812 | ||||||||
Intangible Assets | VND bil | 216 | 234 | 460 | 607 | 537 | ||||||||
Goodwill | VND bil | ... | ... | 0 | 0 | 0 | 0 | 0 | ... | |||||
Total Assets | VND bil | 548,386 | 650,340 | 850,507 | 1,006,380 | 1,202,280 | ||||||||
Shareholders' Equity | VND bil | 32,293 | 33,606 | 42,336 | 44,115 | 48,834 | ||||||||
Of Which Minority Interest | VND bil | 253 | 335 | 1,386 | 1,605 | 2,873 | ||||||||
Liabilities | VND bil | 516,094 | 616,734 | 808,172 | 962,266 | 1,153,450 | ||||||||
Interbank Borrowing | VND bil | 96,125 | 118,231 | 162,552 | 149,818 | 172,401 | ||||||||
Customer Deposits | VND bil | 361,423 | 445,127 | 609,543 | 773,163 | 922,223 | ||||||||
Sight Deposits | VND bil | 62,333 | 78,415 | 104,317 | 124,927 | 160,200 | ||||||||
Term Deposits | VND bil | 297,043 | 364,880 | 501,509 | 643,315 | 756,330 | ||||||||
Issued Debt Securities | VND bil | 46,149 | 38,944 | 18,594 | 16,936 | 30,337 | ||||||||
Other Liabilities | VND bil | 12,397 | 14,433 | 17,481 | 22,349 | 28,489 | ||||||||
asset quality | ||||||||||||||
Non-Performing Loans | VND bil | 8,839 | 9,057 | 10,054 | 14,429 | 14,064 | ||||||||
Gross Loans | VND bil | 391,035 | 445,693 | 598,434 | 723,697 | 866,885 | ||||||||
Total Provisions | VND bil | 6,145 | 6,623 | 7,517 | 10,065 | 11,350 | ||||||||
growth rates | ||||||||||||||
Customer Loan Growth | % | ... | 15.2 | 14.1 | 34.6 | 20.8 | 19.9 | |||||||
Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | 44.5 | 35.1 | ... | ||||
Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | 13.9 | 13.9 | ... | ||||
Total Asset Growth | % | ... | 13.1 | 18.6 | 30.8 | 18.3 | 19.5 | |||||||
Shareholders' Equity Growth | % | ... | 20.9 | 4.07 | 26.0 | 4.20 | 10.7 | |||||||
Customer Deposit Growth | % | ... | 11.7 | 23.2 | 36.9 | 26.8 | 19.3 | |||||||
market share | ||||||||||||||
Market Share in Customer Loans | % | 12.8 | 13.1 | 14.7 | 14.8 | 14.8 | ... | ... | ||||||
Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | 11.4 | 10.8 | ... | ... | ... | |
Market Share in Total Assets | % | 10.0 | 10.8 | 12.2 | 12.4 | 12.4 | ... | ... | ||||||
Market Share in Customer Deposits | % | 9.80 | 10.4 | 12.1 | 13.0 | 13.5 | ... | ... |
ratios | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
ratios | ||||||||||||||
ROE | % | ... | ... | 13.7 | 15.0 | 16.6 | 14.1 | 14.6 | ||||||
ROA | % | ... | ... | 0.780 | 0.826 | 0.839 | 0.657 | 0.615 | ||||||
Costs (As % Of Assets) | % | ... | ... | 1.61 | 1.58 | 1.63 | 1.66 | 1.52 | ||||||
Costs (As % Of Income) | % | ... | 40.0 | 39.8 | 45.2 | 45.5 | 39.3 | |||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.9 | ... | ... |
Net Interest Margin | % | ... | ... | 2.90 | 2.85 | 2.58 | 2.61 | 2.82 | ||||||
Interest Spread | % | ... | ... | 2.56 | 2.59 | 2.37 | 2.41 | 2.63 | ||||||
Asset Yield | % | ... | ... | 8.51 | 7.38 | 6.54 | 6.83 | 7.14 | ||||||
Cost Of Liabilities | % | ... | ... | 5.95 | 4.79 | 4.17 | 4.42 | 4.51 | ||||||
Payout Ratio | % | ... | ... | ... | ... | ... | ... | ... | 58.0 | 0 | 39.2 | 35.3 | ... | ... |
Interest Income (As % Of Revenues) | % | ... | 72.3 | 71.8 | 71.4 | 71.5 | 72.7 | |||||||
Fee Income (As % Of Revenues) | % | ... | 7.55 | 7.57 | 8.62 | 7.41 | 6.92 | |||||||
Other Income (As % Of Revenues) | % | ... | 20.2 | 20.6 | 20.0 | 21.1 | 20.4 | |||||||
Cost Per Employee | USD per month | ... | ... | ... | 876 | 1,009 | 1,010 | 1,120 | 1,271 | |||||
Cost Per Employee (Local Currency) | VND per month | ... | ... | ... | 18,407,000 | 21,430,500 | 21,854,000 | 24,675,400 | 28,462,300 | |||||
Staff Cost (As % Of Total Cost) | % | ... | 48.5 | 51.9 | 51.0 | 48.1 | 50.5 | |||||||
Equity (As % Of Assets) | % | 5.89 | 5.17 | 4.98 | 4.38 | 4.06 | ||||||||
Loans (As % Of Deposits) | % | 106 | 98.6 | 96.9 | 92.3 | 92.8 | ||||||||
Loans (As % Assets) | % | 70.2 | 67.5 | 69.5 | 70.9 | 71.2 | ||||||||
NPLs (As % Of Loans) | % | 2.26 | 2.03 | 1.68 | 1.99 | 1.62 | ||||||||
Provisions (As % Of NPLs) | % | 69.5 | 73.1 | 74.8 | 69.8 | 80.7 | ||||||||
Provisions (As % Of Loans) | % | 1.60 | 1.51 | 1.27 | 1.41 | 1.33 | ||||||||
Cost of Provisions (As % Of Loans) | % | ... | ... | 1.80 | 1.70 | 1.10 | 1.41 | 1.89 |
other data | Unit | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
other data | ||||||||||||||
Employees | ... | ... | 18,231 | 19,130 | 23,854 | 25,088 | 24,888 | |||||||
Sight (As % Of Customer Deposits) | % | 17.2 | 17.6 | 17.1 | 16.2 | 17.4 | ||||||||
Return on Loans | % | ... | ... | 1.12 | 1.20 | 1.22 | 0.936 | 0.865 | ||||||
Operating Profit (As % of Loans) | % | ... | ... | 3.46 | 3.48 | 2.88 | 2.84 | 3.31 | ||||||
Costs (As % Of Loans) | % | ... | ... | 2.31 | 2.30 | 2.38 | 2.37 | 2.14 | ||||||
Equity (As % Of Loans) | % | 8.39 | 7.65 | 7.16 | 6.18 | 5.71 |
Get all company financials in excel:
By Helgi Library - March 4, 2020
BIDV's non-performing loans reached 1.74% of total loans at the end of 2019-12-31, down from 1.90% compared to the previous year. Historically, the NPL ratio hit an all time high of 2.80% in 2015-06-30 and an all time low of 1.49% in 2018-06-30. Provision c...
By Helgi Library - March 1, 2020
BIDV's net interest margin amounted to 2.64% in the fourth quarter of 2019, up from 2.48% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 3.70% in 4Q2013 and an all time low of 2.05% in 2Q2...
By Helgi Library - March 1, 2020
BIDV stock traded at VND 46,150 per share at the end fourth quarter of 2019 implying a market capitalization of USD 8,010 mil. Since the end of 4Q2014, the stock has appreciated by 280 % implying an annual average growth of 30.6 %. In absolute terms, the value of the ...
By Helgi Library - March 1, 2020
BIDV generated total banking revenues of VND 15,430 bil in the fourth quarter of 2019, up 77.2% when compared to the same period of last year and 21.5% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee an...
By Helgi Library - March 1, 2020
BIDV's customer loan growth reached 12.9% in 2019-12-31, down from 14.1% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 34.6% in 2015-12-31 and an all time low of 9.02% in 2014-06-30. In the last decade, t...
By Helgi Library - March 1, 2020
BIDV's Equity reached 5.22% of total assets in the 4Q2019, up from 4.15% for the previous year. As a share of net customer loans, the ratio amounted to 7.05% at the end of the fourth quarter of 2019. ...
By Helgi Library - March 1, 2020
BIDV made a net profit of VND 8,487 bil under revenues of VND 52,742 bil in 2019, up 125% and 18.3% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of VND 8,487 bil in 2019 and an all time low of VND 1,605 bil ...
By Helgi Library - March 1, 2020
BIDV's non-performing loans reached 1.74% of total loans at the end of 2019, down from 1.90% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.22% in 2010 and an all time low of 1.62% in 2017. Provision coverage amounted t...
By Helgi Library - March 1, 2020
BIDV's net interest margin amounted to 2.57% in 2019, down from 2.78% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.30% in 2011 and an all time low of 2.57% in 2019. The average margin in the l...
By Helgi Library - March 1, 2020
BIDV generated total banking revenues of VND 52,742 bil in 2019, up 18.3% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of VND 52,742 bil in 2019 and an all ti...