By Helgi Library - March 1, 2020
Lien Viet PostBank's non-performing loans reached 1.41% of total loans at the end of 2018, up from 1.07% compared to the previous...
By Helgi Library - March 1, 2020
Lien Viet PostBank made a net profit of VND 961 bil under revenues of VND 5,401 bil in 2018, up -29.4% and -7.38% respectively compar...
By Helgi Library - March 1, 2020
Lien Viet PostBank's net interest margin amounted to 2.96% in 2018, down from 3.42% compared to the previous year. Histori...
| Profit Statement | 2016 | 2017 | 2018 | |
| Net Interest Income | VND bil | 4,024 | 5,227 | 5,016 |
| Net Fee Income | VND bil | 76.1 | 64.9 | 153 |
| Other Income | VND bil | 7.97 | 540 | 233 |
| Total Revenues | VND bil | 4,108 | 5,832 | 5,401 |
| Staff Cost | VND bil | 1,023 | 1,506 | 1,620 |
| Operating Profit | VND bil | 1,928 | 2,407 | 2,004 |
| Provisions | VND bil | 492 | 522 | 618 |
| Net Profit | VND bil | 1,062 | 1,362 | 961 |
| Balance Sheet | 2016 | 2017 | 2018 | |
| Interbank Loans | VND bil | 9,277 | 12,352 | 5,108 |
| Customer Loans | VND bil | 78,706 | 99,392 | 117,710 |
| Total Assets | VND bil | 141,865 | 163,434 | 175,095 |
| Shareholders' Equity | VND bil | 8,332 | 9,383 | 10,201 |
| Interbank Borrowing | VND bil | 13,866 | 15,194 | 22,691 |
| Customer Deposits | VND bil | 110,985 | 130,333 | 126,168 |
| Issued Debt Securities | VND bil | 6,450 | 4,898 | 11,156 |
| Ratios | 2016 | 2017 | 2018 | |
| ROE | % | 13.3 | 15.4 | 9.81 |
| ROA | % | 0.852 | 0.892 | 0.568 |
| Costs (As % Of Assets) | % | 1.75 | 2.24 | 2.01 |
| Costs (As % Of Income) | % | 53.1 | 58.7 | 62.9 |
| Net Interest Margin | % | 3.23 | 3.42 | 2.96 |
| Loans (As % Of Deposits) | % | 70.9 | 76.3 | 93.3 |
| NPLs (As % Of Loans) | % | 1.11 | 1.07 | 1.41 |
| Provisions (As % Of NPLs) | % | 109 | 114 | 88.2 |
| Valuation | 2016 | 2017 | 2018 | |
| Price/Earnings (P/E) | ... | 6.85 | 7.14 | |
| Price/Book Value (P/BV) | ... | 0.952 | 0.673 | |
| Dividend Yield | % | ... | 11.6 | 0 |
| Earnings Per Share (EPS) | VND | 1,277 | 1,629 | 1,171 |
| Book Value Per Share | VND | 10,417 | 11,731 | 12,431 |
| Dividend Per Share | VND | ... | 1,299 | 0 |
Get all company financials in excel:
| summary | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||
| Net Interest Income | VND bil | 2,454 | 2,271 | 2,291 | 2,894 | 4,024 | |||
| Total Revenues | VND bil | 2,495 | 2,367 | 2,582 | 2,989 | 4,108 | |||
| Operating Profit | VND bil | 1,458 | 1,176 | 1,088 | 1,271 | 1,928 | |||
| Net Profit | VND bil | 868 | 560 | 454 | 349 | 1,062 | |||
| balance sheet | |||||||||
| Interbank Loans | VND bil | 15,400 | 11,813 | 9,687 | 5,423 | 9,277 | |||
| Customer Loans | VND bil | 22,588 | 28,954 | 40,816 | 55,470 | 78,706 | |||
| Debt Securities | VND bil | 15,516 | 22,108 | 36,577 | 32,485 | 33,571 | |||
| Total Assets | VND bil | 66,413 | 79,594 | 100,802 | 107,587 | 141,865 | |||
| Shareholders' Equity | VND bil | 7,391 | 7,271 | 7,391 | 7,601 | 8,332 | |||
| Interbank Borrowing | VND bil | 16,282 | 15,539 | 12,876 | 17,480 | 13,866 | |||
| Customer Deposits | VND bil | 41,337 | 55,553 | 77,820 | 77,629 | 110,985 | |||
| Issued Debt Securities | VND bil | 9.08 | 46.6 | 1,108 | 3,159 | 6,450 | |||
| ratios | |||||||||
| ROE | % | ... | 12.4 | 7.64 | 6.19 | 4.66 | 13.3 | ||
| ROA | % | ... | 1.42 | 0.768 | 0.503 | 0.335 | 0.852 | ||
| Costs (As % Of Assets) | % | ... | 1.69 | 1.63 | 1.66 | 1.65 | 1.75 | ||
| Costs (As % Of Income) | % | 41.6 | 50.3 | 57.9 | 57.5 | 53.1 | |||
| Net Interest Margin | % | ... | 4.00 | 3.11 | 2.54 | 2.78 | 3.23 | ||
| Interest Income (As % Of Revenues) | % | 98.4 | 95.9 | 88.7 | 96.8 | 98.0 | |||
| Fee Income (As % Of Revenues) | % | -5.78 | -7.76 | -11.9 | -8.97 | 1.85 | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 37.5 | 39.5 | 46.9 | |||
| Equity (As % Of Assets) | % | 11.1 | 9.14 | 7.33 | 7.06 | 5.87 | |||
| Loans (As % Of Deposits) | % | 54.6 | 52.1 | 52.4 | 71.5 | 70.9 | |||
| Loans (As % Assets) | % | 34.0 | 36.4 | 40.5 | 51.6 | 55.5 | |||
| NPLs (As % Of Loans) | % | ... | ... | 1.40 | 0.966 | 1.11 | |||
| Provisions (As % Of NPLs) | % | ... | ... | 82.0 | 128 | 109 | |||
| valuation | |||||||||
| Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | ... | ... | ||
| Number Of Shares (Average) | mil | ... | 851 | 800 | 800 | 800 | |||
| Share Price (End Of Period) | VND | ... | ... | ... | ... | ... | ... | ||
| Earnings Per Share (EPS) | VND | ... | 658 | 538 | 423 | 1,277 | |||
| Book Value Per Share | VND | ... | 8,541 | 9,241 | 9,502 | 10,417 | |||
| Dividend Per Share | VND | ... | ... | ... | ... | 363 | ... | ||
| Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | |||
| Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | |||
| Dividend Yield | % | ... | ... | ... | ... | ... | ... | ||
| Earnings Per Share Growth | % | ... | ... | ... | -18.3 | -21.4 | 202 | ||
| Book Value Per Share Growth | % | ... | 19.2 | -7.45 | 8.19 | 2.83 | 9.62 |
| income statement | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| income statement | |||||||||
| Interest Income | VND bil | 6,341 | 6,127 | 6,163 | 6,969 | 8,908 | |||
| Interest Cost | VND bil | 3,887 | 3,856 | 3,872 | 4,075 | 4,884 | |||
| Net Interest Income | VND bil | 2,454 | 2,271 | 2,291 | 2,894 | 4,024 | |||
| Net Fee Income | VND bil | -144 | -184 | -306 | -268 | 76.1 | |||
| Other Income | VND bil | 185 | 280 | 598 | 363 | 7.97 | |||
| Total Revenues | VND bil | 2,495 | 2,367 | 2,582 | 2,989 | 4,108 | |||
| Staff Cost | VND bil | ... | ... | 561 | 680 | 1,023 | |||
| Depreciation | VND bil | ... | ... | ... | 106 | 135 | 163 | ||
| Other Cost | VND bil | ... | ... | ... | 828 | 905 | 994 | ||
| Operating Cost | VND bil | 1,036 | 1,191 | 1,494 | 1,719 | 2,180 | |||
| Operating Profit | VND bil | 1,458 | 1,176 | 1,088 | 1,271 | 1,928 | |||
| Provisions | VND bil | 307 | 283 | 227 | 502 | 492 | |||
| Extra and Other Cost | VND bil | 183 | 234 | 342 | 347 | 88.1 | |||
| Pre-Tax Profit | VND bil | 968 | 658 | 519 | 421 | 1,347 | |||
| Tax | VND bil | 99.5 | 98.1 | 65.2 | 72.0 | 285 | |||
| Minorities | VND bil | 0 | 0 | 0 | 0 | 0 | |||
| Net Profit | VND bil | 868 | 560 | 454 | 349 | 1,062 | |||
| Dividends | VND bil | ... | ... | ... | ... | 291 | ... | ||
| growth rates | |||||||||
| Net Interest Income Growth | % | ... | 19.2 | -7.45 | 0.880 | 26.3 | 39.0 | ||
| Net Fee Income Growth | % | ... | 257 | 27.4 | 66.8 | -12.5 | -128 | ||
| Total Revenue Growth | % | ... | 14.4 | -5.11 | 9.09 | 15.8 | 37.4 | ||
| Operating Cost Growth | % | ... | 10.3 | 14.9 | 25.4 | 15.0 | 26.8 | ||
| Operating Profit Growth | % | ... | 17.5 | -19.4 | -7.47 | 16.8 | 51.7 | ||
| Pre-Tax Profit Growth | % | ... | -10.9 | -32.0 | -21.2 | -18.8 | 220 | ||
| Net Profit Growth | % | ... | -11.1 | -35.5 | -19.0 | -23.0 | 204 | ||
| market share | |||||||||
| Market Share in Revenues | % | 1.39 | 1.34 | 1.40 | 1.44 | 1.72 | ... | ... | |
| Market Share in Net Profit | % | 3.41 | 1.87 | 2.65 | 1.12 | 2.58 | ... | ... |
| balance sheet | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| balance sheet | |||||||||
| Cash | VND bil | 3,399 | 6,767 | 1,943 | 2,366 | 12,859 | |||
| Interbank Loans | VND bil | 15,400 | 11,813 | 9,687 | 5,423 | 9,277 | |||
| Customer Loans | VND bil | 22,588 | 28,954 | 40,816 | 55,470 | 78,706 | |||
| Retail Loans | VND bil | ... | ... | ... | ... | 26,358 | |||
| Corporate Loans | VND bil | ... | ... | ... | ... | 53,188 | |||
| Debt Securities | VND bil | 15,516 | 22,108 | 36,577 | 32,485 | 33,571 | |||
| Fixed Assets | VND bil | 430 | 479 | 1,040 | 1,110 | 829 | |||
| Intangible Assets | VND bil | 588 | 519 | 491 | 443 | 738 | |||
| Goodwill | VND bil | 588 | 519 | 450 | 381 | 311 | |||
| Total Assets | VND bil | 66,413 | 79,594 | 100,802 | 107,587 | 141,865 | |||
| Shareholders' Equity | VND bil | 7,391 | 7,271 | 7,391 | 7,601 | 8,332 | |||
| Of Which Minority Interest | VND bil | 0 | 0 | 0 | 0 | ... | |||
| Liabilities | VND bil | 59,022 | 72,323 | 93,411 | 99,987 | 133,533 | |||
| Interbank Borrowing | VND bil | 16,282 | 15,539 | 12,876 | 17,480 | 13,866 | |||
| Customer Deposits | VND bil | 41,337 | 55,553 | 77,820 | 77,629 | 110,985 | |||
| Sight Deposits | VND bil | ... | ... | 15,456 | 13,461 | 45,745 | |||
| Term Deposits | VND bil | ... | ... | 61,723 | 63,480 | 65,002 | |||
| Issued Debt Securities | VND bil | 9.08 | 46.6 | 1,108 | 3,159 | 6,450 | |||
| Other Liabilities | VND bil | 1,394 | 1,184 | 1,606 | 1,719 | 2,233 | |||
| asset quality | |||||||||
| Non-Performing Loans | VND bil | ... | ... | 577 | 543 | 888 | |||
| Gross Loans | VND bil | ... | ... | 41,289 | 56,165 | 79,676 | |||
| Total Provisions | VND bil | ... | ... | 473 | 695 | 970 | |||
| growth rates | |||||||||
| Customer Loan Growth | % | ... | 78.7 | 28.2 | 41.0 | 35.9 | 41.9 | ||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | ||
| Total Asset Growth | % | ... | 18.3 | 19.8 | 26.6 | 6.73 | 31.9 | ||
| Shareholders' Equity Growth | % | ... | 12.1 | -1.62 | 1.65 | 2.83 | 9.62 | ||
| Customer Deposit Growth | % | ... | 61.1 | 34.4 | 40.1 | -0.245 | 43.0 | ||
| market share | |||||||||
| Market Share in Customer Loans | % | 0.845 | 0.961 | 1.22 | 1.38 | 1.63 | ... | ||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | 1.10 | ... | ... |
| Market Share in Total Assets | % | 1.38 | 1.45 | 1.67 | 1.54 | 1.75 | ... | ||
| Market Share in Customer Deposits | % | 1.38 | 1.51 | 1.82 | 1.54 | 1.87 | ... |
| ratios | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| ratios | |||||||||
| ROE | % | ... | 12.4 | 7.64 | 6.19 | 4.66 | 13.3 | ||
| ROA | % | ... | 1.42 | 0.768 | 0.503 | 0.335 | 0.852 | ||
| Costs (As % Of Assets) | % | ... | 1.69 | 1.63 | 1.66 | 1.65 | 1.75 | ||
| Costs (As % Of Income) | % | 41.6 | 50.3 | 57.9 | 57.5 | 53.1 | |||
| Net Interest Margin | % | ... | 4.00 | 3.11 | 2.54 | 2.78 | 3.23 | ||
| Interest Spread | % | ... | 3.19 | 2.52 | 2.16 | 2.47 | 2.96 | ||
| Asset Yield | % | ... | 10.3 | 8.39 | 6.83 | 6.69 | 7.14 | ||
| Cost Of Liabilities | % | ... | 7.16 | 5.87 | 4.67 | 4.21 | 4.18 | ||
| Payout Ratio | % | ... | ... | ... | ... | 83.2 | ... | ||
| Interest Income (As % Of Revenues) | % | 98.4 | 95.9 | 88.7 | 96.8 | 98.0 | |||
| Fee Income (As % Of Revenues) | % | -5.78 | -7.76 | -11.9 | -8.97 | 1.85 | |||
| Other Income (As % Of Revenues) | % | 7.42 | 11.8 | 23.2 | 12.2 | 0.194 | |||
| Cost Per Employee | USD per month | ... | ... | 623 | 650 | ... | |||
| Cost Per Employee (Local Currency) | VND per month | ... | ... | 13,227,200 | 14,075,500 | ... | |||
| Staff Cost (As % Of Total Cost) | % | ... | ... | 37.5 | 39.5 | 46.9 | |||
| Equity (As % Of Assets) | % | 11.1 | 9.14 | 7.33 | 7.06 | 5.87 | |||
| Loans (As % Of Deposits) | % | 54.6 | 52.1 | 52.4 | 71.5 | 70.9 | |||
| Loans (As % Assets) | % | 34.0 | 36.4 | 40.5 | 51.6 | 55.5 | |||
| NPLs (As % Of Loans) | % | ... | ... | 1.40 | 0.966 | 1.11 | |||
| Provisions (As % Of NPLs) | % | ... | ... | 82.0 | 128 | 109 | |||
| Provisions (As % Of Loans) | % | ... | ... | 1.16 | 1.25 | 1.23 | |||
| Cost of Provisions (As % Of Loans) | % | ... | 1.74 | 1.10 | 0.650 | 1.04 | 0.734 |
| other data | Unit | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 |
| other data | |||||||||
| Employees | ... | ... | 3,533 | 4,023 | ... | ||||
| Sight (As % Of Customer Deposits) | % | ... | ... | 19.9 | 17.3 | 41.2 | |||
| Return on Loans | % | 4.93 | 2.17 | 1.30 | 0.726 | 1.58 | |||
| Operating Profit (As % of Loans) | % | ... | 8.28 | 4.56 | 3.12 | 2.64 | 2.87 | ||
| Costs (As % Of Loans) | % | ... | 5.88 | 4.62 | 4.28 | 3.57 | 3.25 | ||
| Equity (As % Of Loans) | % | 32.7 | 25.1 | 18.1 | 13.7 | 10.6 |
Get all company financials in excel:
By Helgi Library - March 1, 2020
Lien Viet PostBank generated total banking revenues of VND 5,401 bil in 2018, down 7.38% 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 5,832 bil in 2017...
By Helgi Library - March 1, 2020
Lien Viet PostBank's customer loan growth reached 18.4% in 2018, down from 26.3% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 78.7% in 2012 and an all time low of 18.4% in 2018. In the last decade, the a...
By Helgi Library - March 1, 2020
Lien Viet PostBank's customer deposits reached VND 130,333 bil in 2017, up 17.4% compared to the previous year. Vietnamese banking sector accepted customer deposits of VND 6,810,038 bil in 2017, up 14.6% when compared to the last year. Lien Viet PostBank ...
By Helgi Library - March 1, 2020
Lien Viet PostBank's customer loans reached VND 99,392 bil in 2017, up 26.3% compared to the previous year. Vietnamese banking sector provided customer loans of VND 5,785,712 bil in 2017, up 19.6% when compared to the last year. Lien Viet PostBank account...
By Helgi Library - March 1, 2020
Lien Viet PostBank generated total banking revenues of VND 4,108 bil in 2016, up 37.4% compared to the previous year. Vietnamese banking sector banking sector generated total revenues of VND 238,684,565 mil in 2016, up 14.6% when compared to the last ...
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