By Helgi Library - March 1, 2020
SHB Bank made a net profit of VND 651 bil in the fourth quarter of 2019, up 12.4% when compared to the same period of last year. ...
By Helgi Library - March 1, 2020
SHB Bank made a net profit of VND 651 bil in the fourth quarter of 2019, up 12.4% when compared to the same period of last year. ...
By Helgi Library - March 1, 2020
SHB Bank's customer deposits reached VND 166,576 bil in 2016-12-31, up 2.14% compared to the previous year. Vietnamese banking ...
Profit Statement | 2017 | 2018 | 2019 | |
Net Interest Income | VND bil | 4,799 | 5,558 | 7,892 |
Net Fee Income | VND bil | 1,457 | 714 | 694 |
Other Income | VND bil | 479 | 700 | 1,145 |
Total Revenues | VND bil | 6,736 | 6,972 | 9,731 |
Staff Cost | VND bil | 1,566 | 1,836 | 2,307 |
Operating Profit | VND bil | 3,883 | 3,628 | 5,636 |
Provisions | VND bil | 1,889 | 1,425 | 2,369 |
Net Profit | VND bil | 1,539 | 1,672 | 2,458 |
Balance Sheet | 2017 | 2018 | 2019 | |
Interbank Loans | VND bil | 33,514 | 29,300 | 33,711 |
Customer Loans | VND bil | 195,442 | 213,987 | 262,075 |
Total Assets | VND bil | 286,010 | 323,276 | 365,643 |
Shareholders' Equity | VND bil | 14,691 | 16,333 | 18,710 |
Interbank Borrowing | VND bil | 67,361 | 64,496 | 51,760 |
Customer Deposits | VND bil | 194,890 | 225,224 | 259,351 |
Issued Debt Securities | VND bil | 4,429 | 10,844 | 26,733 |
Ratios | 2017 | 2018 | 2019 | |
ROE | % | 11.0 | 10.8 | 14.0 |
ROA | % | 0.584 | 0.549 | 0.714 |
Costs (As % Of Assets) | % | 1.08 | 1.10 | 1.19 |
Costs (As % Of Income) | % | 42.3 | 48.0 | 42.1 |
Capital Adequacy Ratio | % | 11.3 | ... | ... |
Net Interest Margin | % | 1.82 | 1.82 | 2.29 |
Loans (As % Of Deposits) | % | 100 | 95.0 | 101 |
NPLs (As % Of Loans) | % | 2.33 | 2.40 | 1.83 |
Provisions (As % Of NPLs) | % | 61.6 | 57.7 | 64.4 |
Valuation | 2017 | 2018 | 2019 | |
Price/Earnings (P/E) | 7.27 | 5.18 | 3.18 | |
Price/Book Value (P/BV) | 0.762 | 0.530 | 0.418 | |
Dividend Yield | % | 0 | 0 | ... |
Earnings Per Share (EPS) | VND | 984 | 1,150 | 1,690 |
Book Value Per Share | VND | 9,395 | 11,228 | 12,863 |
Dividend Per Share | VND | 0 | 0 | ... |
Get all company financials in excel:
summary | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
income statement | ||||||||||||||||
Net Interest Income | VND bil | 2,110 | 2,734 | 3,705 | 4,178 | 4,799 | ||||||||||
Total Revenues | VND bil | 2,454 | 3,344 | 4,030 | 5,426 | 6,736 | ||||||||||
Operating Profit | VND bil | 593 | 1,720 | 1,952 | 2,530 | 3,883 | ||||||||||
Net Profit | VND bil | 850 | 791 | 795 | 913 | 1,539 | ||||||||||
balance sheet | ||||||||||||||||
Interbank Loans | VND bil | ... | ... | 30,263 | 29,491 | 29,794 | 30,136 | 33,514 | ||||||||
Customer Loans | VND bil | 75,322 | 103,048 | 130,006 | 160,579 | 195,442 | ||||||||||
Debt Securities | VND bil | 18,684 | 13,503 | 17,371 | 19,127 | 21,425 | ||||||||||
Total Assets | VND bil | 143,626 | 169,036 | 204,704 | 240,753 | 286,010 | ||||||||||
Shareholders' Equity | VND bil | 10,359 | 10,483 | 11,258 | 13,232 | 14,691 | ||||||||||
Interbank Borrowing | VND bil | 20,685 | 28,143 | 28,146 | 53,583 | 67,361 | ||||||||||
Customer Deposits | VND bil | 90,761 | 123,228 | 148,829 | 166,576 | 194,890 | ||||||||||
Issued Debt Securities | VND bil | ... | ... | 19,505 | 4,887 | 12,899 | 3,680 | 4,429 | ||||||||
ratios | ||||||||||||||||
ROE | % | ... | 8.55 | 7.59 | 7.31 | 7.46 | 11.0 | |||||||||
ROA | % | ... | 0.653 | 0.506 | 0.425 | 0.410 | 0.584 | |||||||||
Costs (As % Of Assets) | % | ... | 1.43 | 1.04 | 1.11 | 1.30 | 1.08 | |||||||||
Costs (As % Of Income) | % | 75.8 | 48.6 | 51.6 | 53.4 | 42.3 | ||||||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 12.4 | 11.3 | 11.4 | 13.0 | 11.3 | ... | ... | ||
Net Interest Margin | % | ... | 1.62 | 1.75 | 1.98 | 1.88 | 1.82 | |||||||||
Interest Income (As % Of Revenues) | % | 86.0 | 81.8 | 91.9 | 77.0 | 71.3 | ||||||||||
Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 5.42 | 10.6 | 2.42 | 6.23 | 21.6 | ||||
Staff Cost (As % Of Total Cost) | % | 40.7 | 54.3 | 58.6 | 48.1 | 54.9 | ||||||||||
Equity (As % Of Assets) | % | 7.21 | 6.20 | 5.50 | 5.50 | 5.14 | ||||||||||
Loans (As % Of Deposits) | % | 83.0 | 83.6 | 87.4 | 96.4 | 100 | ||||||||||
Loans (As % Assets) | % | 52.4 | 61.0 | 63.5 | 66.7 | 68.3 | ||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | 4.06 | 2.02 | 1.72 | 1.87 | 2.33 | |||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | 38.3 | 49.7 | 62.8 | 59.0 | 61.6 | |||||||
valuation | ||||||||||||||||
Market Capitalisation (End Of Period) | USD mil | ... | ... | ... | ... | 290 | 336 | 274 | 226 | 458 | ||||||
Number Of Shares (Average) | mil | ... | ... | ... | ... | ... | ... | 1,325 | 1,325 | 1,275 | 1,325 | 1,564 | ||||
Share Price (End Of Period) | VND | ... | ... | ... | ... | 4,616 | 5,418 | 4,652 | 3,539 | 7,156 | ||||||
Earnings Per Share (EPS) | VND | ... | ... | ... | ... | ... | ... | 641 | 597 | 624 | 689 | 984 | ||||
Book Value Per Share | VND | ... | ... | ... | ... | ... | ... | 7,820 | 7,915 | 8,833 | 9,986 | 9,395 | ||||
Dividend Per Share | VND | ... | ... | ... | 502 | 0 | 0 | 0 | 0 | ... | ||||||
Price/Earnings (P/E) | ... | ... | ... | ... | ... | ... | 7.20 | 9.08 | 7.46 | 5.13 | 7.27 | |||||
Price/Book Value (P/BV) | ... | ... | ... | ... | ... | ... | 0.590 | 0.685 | 0.527 | 0.354 | 0.762 | |||||
Dividend Yield | % | ... | ... | ... | ... | 10.9 | 0 | 0 | 0 | 0 | ... | |||||
Earnings Per Share Growth | % | ... | ... | ... | ... | ... | ... | ... | -55.3 | -6.99 | 4.56 | 10.5 | 42.7 | |||
Book Value Per Share Growth | % | ... | -3.24 | 1.21 | 11.6 | 13.1 | -5.92 |
income statement | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
income statement | ||||||||||||||||
Interest Income | VND bil | 9,181 | 10,321 | 12,000 | 14,571 | 18,223 | ||||||||||
Interest Cost | VND bil | 7,071 | 7,587 | 8,296 | 10,393 | 13,424 | ||||||||||
Net Interest Income | VND bil | 2,110 | 2,734 | 3,705 | 4,178 | 4,799 | ||||||||||
Net Fee Income | VND bil | ... | ... | ... | ... | ... | ... | 133 | 354 | 97.4 | 338 | 1,457 | ||||
Other Income | VND bil | ... | ... | ... | ... | ... | ... | 211 | 257 | 228 | 910 | 479 | ||||
Total Revenues | VND bil | 2,454 | 3,344 | 4,030 | 5,426 | 6,736 | ||||||||||
Staff Cost | VND bil | 758 | 883 | 1,217 | 1,394 | 1,566 | ||||||||||
Depreciation | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 89.7 | 83.4 | ||
Other Cost | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,413 | 1,203 | ||
Operating Cost | VND bil | 1,861 | 1,624 | 2,079 | 2,896 | 2,852 | ||||||||||
Operating Profit | VND bil | 593 | 1,720 | 1,952 | 2,530 | 3,883 | ||||||||||
Provisions | VND bil | -493 | 621 | 842 | 1,302 | 1,889 | ||||||||||
Extra and Other Cost | VND bil | 86.3 | 86.7 | 92.6 | 71.7 | 69.3 | ||||||||||
Pre-Tax Profit | VND bil | 1,000 | 1,012 | 1,017 | 1,156 | 1,925 | ||||||||||
Tax | VND bil | 150 | 222 | 222 | 243 | 386 | ||||||||||
Minorities | VND bil | 0.028 | 0.136 | 0.026 | -0.187 | 0 | ||||||||||
Net Profit | VND bil | 850 | 791 | 795 | 913 | 1,539 | ||||||||||
Dividends | VND bil | ... | ... | ... | 665 | 0 | 0 | 0 | 0 | ... | ||||||
growth rates | ||||||||||||||||
Net Interest Income Growth | % | ... | 11.9 | 29.5 | 35.5 | 12.8 | 14.9 | |||||||||
Net Fee Income Growth | % | ... | ... | ... | ... | ... | ... | ... | -12.5 | 166 | -72.4 | 247 | 331 | |||
Total Revenue Growth | % | ... | -17.7 | 36.3 | 20.5 | 34.6 | 24.1 | |||||||||
Operating Cost Growth | % | ... | 10.8 | -12.7 | 28.0 | 39.3 | -1.51 | |||||||||
Operating Profit Growth | % | ... | -54.4 | 190 | 13.5 | 29.6 | 53.5 | |||||||||
Pre-Tax Profit Growth | % | ... | -45.2 | 1.23 | 0.465 | 13.7 | 66.5 | |||||||||
Net Profit Growth | % | ... | -49.6 | -6.96 | 0.572 | 14.9 | 68.5 | |||||||||
market share | ||||||||||||||||
Market Share in Revenues | % | ... | ... | ... | 1.39 | 1.81 | 1.94 | 2.27 | ... | ... | ... | |||||
Market Share in Net Profit | % | ... | ... | ... | 2.83 | 4.62 | 2.55 | 2.22 | ... | ... | ... |
balance sheet | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
balance sheet | ||||||||||||||||
Cash | VND bil | 2,522 | 4,147 | 6,280 | 4,010 | 5,189 | ||||||||||
Interbank Loans | VND bil | ... | ... | 30,263 | 29,491 | 29,794 | 30,136 | 33,514 | ||||||||
Customer Loans | VND bil | 75,322 | 103,048 | 130,006 | 160,579 | 195,442 | ||||||||||
Retail Loans | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | 30,332 | 38,821 | |||||
Corporate Loans | VND bil | ... | ... | ... | 46,342 | 67,541 | 80,621 | 130,260 | 157,131 | |||||||
Debt Securities | VND bil | 18,684 | 13,503 | 17,371 | 19,127 | 21,425 | ||||||||||
Fixed Assets | VND bil | 406 | 384 | 361 | 3,897 | 3,906 | ||||||||||
Intangible Assets | VND bil | ... | ... | 3,746 | 3,722 | 3,695 | 64.8 | 45.9 | ||||||||
Goodwill | VND bil | ... | ... | ... | ... | ... | ... | ... | ... | 0 | 0 | 3,695 | 0 | 0 | ... | |
Total Assets | VND bil | 143,626 | 169,036 | 204,704 | 240,753 | 286,010 | ||||||||||
Shareholders' Equity | VND bil | 10,359 | 10,483 | 11,258 | 13,232 | 14,691 | ||||||||||
Of Which Minority Interest | VND bil | 2.78 | 2.91 | 2.72 | 2.31 | 0 | ||||||||||
Liabilities | VND bil | 133,267 | 158,553 | 193,446 | 227,521 | 271,319 | ||||||||||
Interbank Borrowing | VND bil | 20,685 | 28,143 | 28,146 | 53,583 | 67,361 | ||||||||||
Customer Deposits | VND bil | 90,761 | 123,228 | 148,829 | 166,576 | 194,890 | ||||||||||
Sight Deposits | VND bil | 8,555 | 12,380 | 20,302 | 19,061 | 17,753 | ||||||||||
Term Deposits | VND bil | 81,891 | 109,780 | 127,844 | 146,323 | 176,153 | ||||||||||
Issued Debt Securities | VND bil | ... | ... | 19,505 | 4,887 | 12,899 | 3,680 | 4,429 | ||||||||
Other Liabilities | VND bil | ... | ... | 2,316 | 2,295 | 3,573 | 3,682 | 4,639 | ||||||||
asset quality | ||||||||||||||||
Non-Performing Loans | VND bil | ... | ... | 3,104 | 2,108 | 2,263 | 3,044 | 4,624 | ||||||||
Gross Loans | VND bil | ... | ... | ... | 76,510 | 104,096 | 131,427 | 162,376 | 198,291 | |||||||
Total Provisions | VND bil | ... | ... | ... | 1,188 | 1,047 | 1,421 | 1,797 | 2,849 | |||||||
growth rates | ||||||||||||||||
Customer Loan Growth | % | ... | 35.3 | 36.8 | 26.2 | 23.5 | 21.7 | |||||||||
Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 28.0 | ||||
Corporate Loan Growth | % | ... | ... | ... | ... | 48.6 | 45.7 | 19.4 | 61.6 | 20.6 | ||||||
Total Asset Growth | % | ... | 23.2 | 17.7 | 21.1 | 17.6 | 18.8 | |||||||||
Shareholders' Equity Growth | % | ... | 8.94 | 1.20 | 7.39 | 17.5 | 11.0 | |||||||||
Customer Deposit Growth | % | ... | 17.0 | 35.8 | 20.8 | 11.9 | 17.0 | |||||||||
market share | ||||||||||||||||
Market Share in Customer Loans | % | 2.50 | 3.08 | 3.23 | 3.32 | 3.38 | ... | ... | ||||||||
Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | ... | ... | 1.54 | 2.02 | 2.00 | 2.69 | ... | ... | ... | |
Market Share in Total Assets | % | 2.63 | 2.80 | 2.93 | 2.96 | 2.96 | ... | ... | ||||||||
Market Share in Customer Deposits | % | 2.46 | 2.88 | 2.95 | 2.80 | 2.86 | ... | ... |
ratios | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
ratios | ||||||||||||||||
ROE | % | ... | 8.55 | 7.59 | 7.31 | 7.46 | 11.0 | |||||||||
ROA | % | ... | 0.653 | 0.506 | 0.425 | 0.410 | 0.584 | |||||||||
Costs (As % Of Assets) | % | ... | 1.43 | 1.04 | 1.11 | 1.30 | 1.08 | |||||||||
Costs (As % Of Income) | % | 75.8 | 48.6 | 51.6 | 53.4 | 42.3 | ||||||||||
Capital Adequacy Ratio | % | ... | ... | ... | ... | ... | ... | 12.4 | 11.3 | 11.4 | 13.0 | 11.3 | ... | ... | ||
Net Interest Margin | % | ... | 1.62 | 1.75 | 1.98 | 1.88 | 1.82 | |||||||||
Interest Spread | % | ... | 1.17 | 1.40 | 1.71 | 1.60 | 1.54 | |||||||||
Asset Yield | % | ... | 7.06 | 6.60 | 6.42 | 6.54 | 6.92 | |||||||||
Cost Of Liabilities | % | ... | 5.88 | 5.20 | 4.71 | 4.94 | 5.38 | |||||||||
Payout Ratio | % | ... | ... | ... | 78.2 | 0 | 0 | 0 | 0 | ... | ||||||
Interest Income (As % Of Revenues) | % | 86.0 | 81.8 | 91.9 | 77.0 | 71.3 | ||||||||||
Fee Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 5.42 | 10.6 | 2.42 | 6.23 | 21.6 | ||||
Other Income (As % Of Revenues) | % | ... | ... | ... | ... | ... | ... | 8.59 | 7.68 | 5.66 | 16.8 | 7.12 | ||||
Cost Per Employee | USD per month | ... | ... | ... | ... | 601 | 624 | 771 | 830 | 938 | ||||||
Cost Per Employee (Local Currency) | VND per month | ... | ... | ... | ... | 12,631,900 | 13,247,400 | 16,672,900 | 18,286,900 | 21,015,400 | ||||||
Staff Cost (As % Of Total Cost) | % | 40.7 | 54.3 | 58.6 | 48.1 | 54.9 | ||||||||||
Equity (As % Of Assets) | % | 7.21 | 6.20 | 5.50 | 5.50 | 5.14 | ||||||||||
Loans (As % Of Deposits) | % | 83.0 | 83.6 | 87.4 | 96.4 | 100 | ||||||||||
Loans (As % Assets) | % | 52.4 | 61.0 | 63.5 | 66.7 | 68.3 | ||||||||||
NPLs (As % Of Loans) | % | ... | ... | ... | 4.06 | 2.02 | 1.72 | 1.87 | 2.33 | |||||||
Provisions (As % Of NPLs) | % | ... | ... | ... | 38.3 | 49.7 | 62.8 | 59.0 | 61.6 | |||||||
Provisions (As % Of Loans) | % | ... | ... | ... | 1.58 | 1.02 | 1.09 | 1.12 | 1.46 | |||||||
Cost of Provisions (As % Of Loans) | % | ... | -0.752 | 0.696 | 0.723 | 0.896 | 1.06 |
other data | Unit | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
other data | ||||||||||||||||
Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 452 | 500 | ... | ... | |
Employees | ... | ... | ... | ... | 5,002 | 5,553 | 6,083 | 6,351 | 6,210 | |||||||
Sight (As % Of Customer Deposits) | % | 9.43 | 10.0 | 13.6 | 11.4 | 9.11 | ||||||||||
Return on Loans | % | 1.30 | 0.886 | 0.682 | 0.629 | 0.865 | ||||||||||
Operating Profit (As % of Loans) | % | ... | 0.906 | 1.93 | 1.67 | 1.74 | 2.18 | |||||||||
Costs (As % Of Loans) | % | ... | 2.84 | 1.82 | 1.78 | 1.99 | 1.60 | |||||||||
Equity (As % Of Loans) | % | 13.8 | 10.2 | 8.66 | 8.24 | 7.52 |
Get all company financials in excel:
By Helgi Library - March 1, 2020
SHB Bank's customer deposits reached VND 166,576 bil in 2016-12-31, up 2.14% compared to the previous year. Vietnamese banking sector accepted customer deposits of VND 5,860,000 bil in 2016-12-31, up 0.518% when compared to the last year. SHB Bank account...
By Helgi Library - March 1, 2020
SHB Bank stock traded at VND 5,376 per share at the end fourth quarter of 2019 implying a market capitalization of USD 337 mil. Since the end of 4Q2014, the stock has depreciated by -0.773 % implying an annual average growth of -0.155 %. In absolute terms, the value o...
By Helgi Library - March 1, 2020
SHB Bank stock traded at VND 5,376 per share at the end fourth quarter of 2019 implying a market capitalization of USD 337 mil. Since the end of 4Q2014, the stock has depreciated by -0.773 % implying an annual average growth of -0.155 %. In absolute terms, the value o...
By Helgi Library - March 4, 2020
SHB Bank's non-performing loans reached 1.83% of total loans at the end of 2019-12-31, down from 2.40% compared to the previous year. Historically, the NPL ratio hit an all time high of 13.2% in 2012-09-30 and an all time low of 1.39% in 2010-12-31. Provisi...
By Helgi Library - March 4, 2020
SHB Bank's non-performing loans reached 1.83% of total loans at the end of 2019-12-31, down from 2.40% compared to the previous year. Historically, the NPL ratio hit an all time high of 13.2% in 2012-09-30 and an all time low of 1.39% in 2010-12-31. Provisi...
By Helgi Library - March 1, 2020
SHB Bank generated total banking revenues of VND 3,482 bil in the fourth quarter of 2019, up 20.7% when compared to the same period of last year and 39.9% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee...
By Helgi Library - March 1, 2020
SHB Bank generated total banking revenues of VND 3,482 bil in the fourth quarter of 2019, up 20.7% when compared to the same period of last year and 39.9% when compared to the previous quarter. Historically, the bank’s revenues containing of interest, fee...
By Helgi Library - March 1, 2020
SHB Bank's net interest margin amounted to 2.75% in the fourth quarter of 2019, up from 2.58% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.75% in 2Q2010 and an all time low of 1.03% in...
By Helgi Library - March 1, 2020
SHB Bank's net interest margin amounted to 2.75% in the fourth quarter of 2019, up from 2.58% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 4.75% in 2Q2010 and an all time low of 1.03% in...
By Helgi Library - March 1, 2020
SHB Bank stock traded at VND 5,376 per share at the end of fourth quarter of 2019 implying a market capitalization of USD 337 mil. Over the last five years, the stock has depreciated by 0.773 implying an annual average growth of -0.155% In absolute terms,...