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HDBank - Operating Cost (As % Of Loans)

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Annual Quarterly

Company	Unit	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019
Agribank		...	...	...										0.029	0.028	0.027	...	...	...	...
Asia Commercial Bank		...	...	...										0.036	0.034	0.030	0.029	0.032
BIDV		...	...	...	...	...	...						...	0.022	0.022	0.021	0.022	0.020
HDBank		...	...	...	...	...	...	...	...					0.023	0.044	0.044	0.041	0.040
Lien Viet PostBank		...	...	...	...	...	...	...	...	...	...			0.041	0.037	0.031	0.028	0.034		...
MBBank		...	...	...	...	...								0.032	0.032	0.029	0.029	0.036
Sacombank		...	...	...	...									0.039	0.036	0.028	0.029	0.029
SHB Bank		...	...	...	...									0.025	0.016	0.016	0.018	0.015
Techcombank		...				...								0.053	0.055	0.038	0.035	0.032
TPBank		...	...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.029	0.031
Vietcombank														0.024	0.022	0.023	0.023	0.023
VietinBank		...	...	...	...									0.028	0.028	0.024	0.022	0.021
Vietnam Export Import Bank		...	...	...	...									0.026	0.024	0.027	0.027	0.025
Vietnam International Bank		...	...	...	...	...	...	...	...	...	...	...	...	...	...	0.038	0.036	0.030		...
Vietnam Prosperity Bank		...	...	...										0.053	0.051	0.050	0.048	0.053