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BIDV

BIDV's net profit rose 260% yoy to VND 2,990 bil in 4Q2019

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% ...

BIDV's market capitalisation (end of period) rose 58.1% yoy to USD 8,010 mil in 4Q2019

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. ...

BIDV's customer deposits rose 26.8% yoy to VND 773,163 bil in 4Q2016

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...

Annual Quarterly LTM
Profit Statement Jun 2019 Sep 2019 Dec 2019
Net Interest Income VND bil 9,113 8,754 9,604
Net Fee Income VND bil 1,092 1,050 1,265
Other Income VND bil 2,745 2,900 4,561
Total Revenues VND bil 12,950 12,704 15,430
Staff Cost VND bil 2,449 1,739 3,983
Operating Profit VND bil 8,563 8,904 8,422
Provisions VND bil 5,559 5,756 3,507
Net Profit VND bil 1,713 1,814 2,990
Balance Sheet Jun 2019 Sep 2019 Dec 2019
Interbank Loans VND bil 141,847 130,026 54,290
Customer Loans VND bil 1,049,680 1,055,970 1,102,490
Total Assets VND bil 1,400,110 1,425,400 1,490,100
Shareholders' Equity VND bil 57,529 59,377 77,766
Interbank Borrowing VND bil 171,395 178,574 189,972
Customer Deposits VND bil 1,079,660 1,108,430 1,139,390
Issued Debt Securities VND bil 56,492 43,538 45,397
Ratios Jun 2019 Sep 2019 Dec 2019
ROE % 12.0 12.4 17.4
ROA % 0.500 0.514 0.821
Costs (As % Of Assets) % 1.28 1.08 1.92
Costs (As % Of Income) % 33.9 29.9 45.4
Net Interest Margin % 2.66 2.48 2.64
Loans (As % Of Deposits) % 97.2 95.3 96.8
NPLs (As % Of Loans) % 1.98 2.09 1.74
Provisions (As % Of NPLs) % 72.7 78.2 74.2
Valuation Jun 2019 Sep 2019 Dec 2019
Price/Earnings (P/E) 15.8 18.6 14.6
Price/Book Value (P/BV) 1.88 2.27 2.25
Earnings Per Share (EPS) VND 2,004 2,122 3,161
Book Value Per Share VND 16,828 17,368 20,549

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summary Unit 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                                           8,307 8,166 9,374 8,550 9,113    
Total Revenues VND bil                                           11,745 12,030 8,710 11,657 12,950    
Operating Profit VND bil                                           7,161 7,426 3,241 8,416 8,563    
Net Profit VND bil                                           1,913 1,753 -1,869 1,969 1,713    
balance sheet                                                        
Interbank Loans VND bil                                           101,896 81,843 104,113 112,271 141,847    
Customer Loans VND bil                                           917,404 953,925 976,334 1,011,890 1,049,680    
Debt Securities VND bil                                           181,835 151,701 133,907 136,751 142,394    
Total Assets VND bil                                           1,268,270 1,268,410 1,313,040 1,342,940 1,400,110    
Shareholders' Equity VND bil                                           53,200 53,720 54,552 56,652 57,529    
Interbank Borrowing VND bil                                           152,021 160,482 169,118 170,946 171,395    
Customer Deposits VND bil                                           1,000,350 990,160 1,000,550 1,027,930 1,079,660    
Issued Debt Securities VND bil                                           32,575 29,796 56,784 55,286 56,492    
ratios                                                        
ROE % ...                                         14.7 13.1 -13.8 14.2 12.0    
ROA % ...                                         0.613 0.553 -0.579 0.593 0.500    
Costs (As % Of Assets) % ...                                         1.47 1.45 1.69 0.976 1.28    
Costs (As % Of Income) %                                           39.0 38.3 62.8 27.8 33.9    
Net Interest Margin % ...                                         2.66 2.58 2.91 2.58 2.66    
Interest Income (As % Of Revenues) %                                           70.7 67.9 108 73.3 70.4    
Fee Income (As % Of Revenues) %                                           8.31 6.82 11.6 7.52 8.43    
Staff Cost (As % Of Total Cost) %                                           55.8 56.4 42.4 48.2 55.8    
Equity (As % Of Assets) %                                           4.19 4.24 4.15 4.22 4.11    
Loans (As % Of Deposits) %                                           91.7 96.3 97.6 98.4 97.2    
Loans (As % Assets) %                                           72.3 75.2 74.4 75.3 75.0    
NPLs (As % Of Loans) %                                           1.49 1.76 1.90 1.74 1.98    
Provisions (As % Of NPLs) %                                           85.0 87.0 66.0 70.2 72.7    
valuation                                                        
Market Capitalisation (End Of Period) USD mil ... ... ... ...                                   3,872 5,160 5,067 5,275 4,651    
Number Of Shares (Average) mil                                           3,419 3,419 3,419 3,419 3,419    
Share Price (End Of Period) VND ... ... ... ...                                   26,000 35,200 34,400 35,800 31,700    
Earnings Per Share (EPS) VND                                           2,238 2,051 -2,187 2,304 2,004    
Book Value Per Share VND                                           15,561 15,714 15,957 16,571 16,828    
Price/Earnings (P/E) ... ... ... ...                                   11.6 17.2 -15.7 15.5 15.8    
Price/Book Value (P/BV) ... ... ... ...                                   1.67 2.24 2.16 2.16 1.88    
Earnings Per Share Growth % ... ... ... ...                                   114 16.5 -173 -0.446 -10.4    
Book Value Per Share Growth % ... ... ... ...                                   10.5 15.4 11.7 11.5 8.14    
income statement Unit 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                                           22,175 22,195 23,598 23,497 25,111    
Interest Cost VND bil                                           13,868 14,029 14,224 14,947 15,998    
Net Interest Income VND bil                                           8,307 8,166 9,374 8,550 9,113    
Net Fee Income VND bil                                           976 820 1,009 876 1,092    
Other Income VND bil                                           2,462 3,044 -1,674 2,230 2,745    
Total Revenues VND bil                                           11,745 12,030 8,710 11,657 12,950    
Staff Cost VND bil                                           2,556 2,597 2,318 1,562 2,449    
Operating Cost VND bil                                           4,584 4,604 5,469 3,241 4,387    
Operating Profit VND bil                                           7,161 7,426 3,241 8,416 8,563    
Provisions VND bil                                           4,013 4,340 4,528 5,187 5,559    
Extra and Other Cost VND bil                                           664 802 972 708 816    
Pre-Tax Profit VND bil                                           2,485 2,284 -2,260 2,521 2,188    
Tax VND bil                                           499 473 -402 496 442    
Minorities VND bil                                           72.7 57.3 11.0 55.4 33.2    
Net Profit VND bil                                           1,913 1,753 -1,869 1,969 1,713    
growth rates                                                        
Net Interest Income Growth % ... ... ... ...                                   15.4 -10.8 17.4 -6.77 9.70    
Net Fee Income Growth % ... ... ... ...                                   16.7 12.4 22.2 17.6 11.9    
Total Revenue Growth % ... ... ... ...                                   18.0 1.61 -30.1 -3.77 10.3    
Operating Cost Growth % ... ... ... ...                                   17.4 20.7 -1.89 8.71 -4.30    
Operating Profit Growth % ... ... ... ...                                   18.4 -7.46 -52.9 -7.85 19.6    
Pre-Tax Profit Growth % ... ... ... ...                                   75.4 22.7 -173 1.41 -11.9    
Net Profit Growth % ... ... ... ...                                   114 16.5 -173 -0.446 -10.4    
balance sheet Unit 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                                           29,643 42,830 60,693 42,772 25,626    
Interbank Loans VND bil                                           101,896 81,843 104,113 112,271 141,847    
Customer Loans VND bil                                           917,404 953,925 976,334 1,011,890 1,049,680    
Retail Loans VND bil ... ... ... ... ... ... ... ... ... ... ...   ... ... ...   ... ... ...   ... ... ... 319,630 ... ... ... ...
Corporate Loans VND bil ... ... ... ... ... ... ... ... ... ... ...   ... ... ...   ... ... ...   ... ... ... 668,342 ... ... ... ...
Debt Securities VND bil                                           181,835 151,701 133,907 136,751 142,394    
Fixed Assets VND bil                                           5,862 5,801 10,195 6,249 6,084    
Total Assets VND bil                                           1,268,270 1,268,410 1,313,040 1,342,940 1,400,110    
Shareholders' Equity VND bil                                           53,200 53,720 54,552 56,652 57,529    
Of Which Minority Interest VND bil                                           3,108 3,152 3,039 3,095 3,076    
Liabilities VND bil                                           1,215,070 1,214,690 1,258,490 1,286,290 1,342,580    
Interbank Borrowing VND bil                                           152,021 160,482 169,118 170,946 171,395    
Customer Deposits VND bil                                           1,000,350 990,160 1,000,550 1,027,930 1,079,660    
Sight Deposits VND bil                                           164,097 157,585 161,859 145,887 152,005    
Term Deposits VND bil                                           826,791 825,898 830,913 873,167 920,890    
Issued Debt Securities VND bil                                           32,575 29,796 56,784 55,286 56,492    
asset quality                                                        
Non-Performing Loans VND bil                                           13,839 17,042 18,802 17,876 21,121    
Gross Loans VND bil                                           929,168 968,752 988,739 1,024,430 1,065,030    
Total Provisions VND bil                                           11,764 14,827 12,405 12,544 15,349    
growth rates                                                        
Customer Loan Growth % ... ... ... ...                                   15.6 17.3 14.1 16.7 14.4    
Retail Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ...   ... ... ... 18.7 ... ... ... ...
Corporate Loan Growth % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...   ... ... ...   ... ... ... 11.9 ... ... ... ...
Total Asset Growth % ... ... ... ...                                   15.4 12.7 9.21 9.45 10.4    
Shareholders' Equity Growth % ... ... ... ...                                   10.5 15.4 11.7 11.5 8.14    
Customer Deposit Growth % ... ... ... ...                                   18.2 13.4 8.49 7.82 7.93    
market share                                                        
Market Share in Customer Loans % ... ... ... ... ... ... ... ...                 ... ... ... ... ... ... ... ... ... ... ... ...
Market Share in Total Assets % ... ... ...                                   ... ... ... ... ... ... ... ...
Market Share in Customer Deposits % ... ... ... ... ... ... ... ...                 ... ... ... ... ... ... ... ... ... ... ... ...
ratios Unit 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 % ...                                         14.7 13.1 -13.8 14.2 12.0    
ROA % ...                                         0.613 0.553 -0.579 0.593 0.500    
Costs (As % Of Assets) % ...                                         1.47 1.45 1.69 0.976 1.28    
Costs (As % Of Income) %                                           39.0 38.3 62.8 27.8 33.9    
Net Interest Margin % ...                                         2.66 2.58 2.91 2.58 2.66    
Interest Spread % ...                                         2.47 2.38 2.71 2.38 2.46    
Asset Yield % ...                                         7.11 7.00 7.31 7.08 7.32    
Cost Of Liabilities % ...                                         4.64 4.62 4.60 4.70 4.87    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...
Interest Income (As % Of Revenues) %                                           70.7 67.9 108 73.3 70.4    
Fee Income (As % Of Revenues) %                                           8.31 6.82 11.6 7.52 8.43    
Other Income (As % Of Revenues) %                                           21.0 25.3 -19.2 19.1 21.2    
Cost Per Employee USD per month ...   ...                                     1,507 1,495 1,335 899 1,405    
Cost Per Employee (Local Currency) VND per month ...   ...                                     33,996,600 33,908,400 30,405,000 20,578,100 32,344,600    
Staff Cost (As % Of Total Cost) %                                           55.8 56.4 42.4 48.2 55.8    
Equity (As % Of Assets) %                                           4.19 4.24 4.15 4.22 4.11    
Loans (As % Of Deposits) %                                           91.7 96.3 97.6 98.4 97.2    
Loans (As % Assets) %                                           72.3 75.2 74.4 75.3 75.0    
NPLs (As % Of Loans) %                                           1.49 1.76 1.90 1.74 1.98    
Provisions (As % Of NPLs) %                                           85.0 87.0 66.0 70.2 72.7    
Provisions (As % Of Loans) %                                           1.28 1.55 1.27 1.24 1.46    
Cost of Provisions (As % Of Loans) % ...                                         1.80 1.86 1.88 2.09 2.16    
other data Unit 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 ...   ...                                     25,066 25,529 25,416 25,296 25,240    
Sight (As % Of Customer Deposits) %                                           16.4 15.9 16.2 14.2 14.1    
Return on Loans % ...                                         0.892 0.877 0.391 0.379 0.346    
Operating Profit (As % of Loans) % ... ... ...                                     3.50 3.27 2.79 2.64 2.68    
Costs (As % Of Loans) % ...                                         1.96 1.97 1.90 1.86 1.77    
Equity (As % Of Loans) %                                           5.80 5.63 5.59 5.60 5.48    

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BIDV's npls (as % of loans) fell 8.42% yoy to 1.74% in 4Q2019

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...

BIDV's net interest margin fell 9.29% yoy to 2.64% in 4Q2019

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...

BIDV's price/earnings (P/E) rose 193% yoy to 14.6 in 4Q2019

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 ...

BIDV's net interest income rose 2.45% yoy to VND 9,604 bil in 4Q2019

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...

BIDV's customer loan growth fell 8.48% yoy to 12.9% in 4Q2019

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...

BIDV's equity (as % of assets) rose 25.6% yoy to 5.22% in 4Q2019

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. ...

BIDV's net profit rose 125% yoy to VND 8,487 bil in 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 ...

BIDV's npls (as % of loans) fell 8.42% yoy to 1.74% in 2019

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...

BIDV's net interest margin fell 7.70% yoy to 2.57% in 2019

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...

BIDV's net interest income rose 2.86% yoy to VND 36,021 bil in 2019

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...

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