Vietnam International Bank

Profit Statement 2016 2017 2018
Net Interest Income VND bil 2,654 3,457 4,826
Net Fee Income VND bil 256 407 735
Other Income VND bil 655 447 901
Total Revenues VND bil 3,565 4,311 6,462
Staff Cost VND bil 1,118 1,324 1,639
Operating Profit VND bil 1,444 1,942 3,688
Provisions VND bil 606 350 653
Net Profit VND bil 562 1,124 2,194
Balance Sheet 2016 2017 2018
Interbank Loans VND bil 9,152 10,275 8,416
Customer Loans VND bil 59,164 78,919 95,261
Debt Securities VND bil 28,839 26,696 29,111
Total Assets VND bil 104,517 123,159 139,166
Shareholders' Equity VND bil 8,743 8,788 10,668
Interbank Borrowing VND bil 33,320 32,512 26,264
Customer Deposits VND bil 61,261 77,423 95,015
Issued Debt Securities VND bil 0 2,215 3,989
Ratios 2016 2017 2018
ROE % 6.47 12.8 22.6
ROA % 0.595 0.988 1.67
Costs (As % Of Assets) % 2.25 2.08 2.11
Costs (As % Of Income) % 59.5 54.9 42.9
Capital Adequacy Ratio % 13.3 13.1 12.9
Net Interest Margin % 2.81 3.04 3.68
Loans (As % Of Deposits) % 96.6 102 100
NPLs (As % Of Loans) % 2.58 2.49 2.30
Provisions (As % Of NPLs) % 65.5 47.6 39.8
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil ... 569 570
Share Price (End Of Period) VND ... 13,385 14,455
Price/Earnings (P/E) ... 11.5 4.54
Price/Book Value (P/BV) ... 1.47 0.915
Dividend Yield % ... 2.17 3.22
Earnings Per Share (EPS) VND 655 1,165 3,181
Book Value Per Share VND 10,193 9,106 15,800
Dividend Per Share VND 291 291 466

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summary Unit 2015 2016 2017 2018
income statement        
Net Interest Income VND bil 2,344 2,654    
Total Revenues VND bil 3,042 3,565    
Operating Profit VND bil 1,277 1,444    
Net Profit VND bil 521 562    
balance sheet        
Interbank Loans VND bil 762 9,152    
Customer Loans VND bil 47,025 59,164    
Debt Securities VND bil 26,452 28,839    
Total Assets VND bil 84,309 104,517    
Shareholders' Equity VND bil 8,611 8,743    
Interbank Borrowing VND bil 12,700 33,320    
Customer Deposits VND bil 53,304 61,261    
Issued Debt Securities VND bil 8,545 0    
ratios        
ROE % ... 6.47    
ROA % ... 0.595    
Costs (As % Of Assets) % ... 2.25    
Costs (As % Of Income) % 58.0 59.5    
Capital Adequacy Ratio % 18.0 13.3    
Net Interest Margin % ... 2.81    
Interest Income (As % Of Revenues) % 77.1 74.4    
Fee Income (As % Of Revenues) % 5.46 7.17    
Staff Cost (As % Of Total Cost) % 49.1 52.7    
Equity (As % Of Assets) % 10.2 8.36    
Loans (As % Of Deposits) % 88.2 96.6    
Loans (As % Assets) % 55.8 56.6    
NPLs (As % Of Loans) % 2.07 2.58    
Provisions (As % Of NPLs) % 76.1 65.5    
valuation        
Market Capitalisation (End Of Period) USD mil ... ...    
Number Of Shares (Average) mil 771 858    
Share Price (End Of Period) VND ... ...    
Earnings Per Share (EPS) VND 676 655    
Book Value Per Share VND 11,162 10,193    
Dividend Per Share VND ... 291    
Price/Earnings (P/E) ... ...    
Price/Book Value (P/BV) ... ...    
Dividend Yield % ... ...    
Earnings Per Share Growth % ... -3.10    
Book Value Per Share Growth % ... -8.68    
income statement Unit 2015 2016 2017 2018
income statement        
Interest Income VND bil 4,794 5,319    
Interest Cost VND bil 2,450 2,666    
Net Interest Income VND bil 2,344 2,654    
Net Fee Income VND bil 166 256    
Other Income VND bil 532 655    
Total Revenues VND bil 3,042 3,565    
Staff Cost VND bil 868 1,118    
Depreciation VND bil ... 64.9    
Other Cost VND bil ... 938    
Operating Cost VND bil 1,765 2,121    
Operating Profit VND bil 1,277 1,444    
Provisions VND bil 509 606    
Extra and Other Cost VND bil 113 136    
Pre-Tax Profit VND bil 655 702    
Tax VND bil 134 140    
Minorities VND bil ... 0    
Net Profit VND bil 521 562    
Dividends VND bil ... 282    
growth rates        
Net Interest Income Growth % ... 13.2    
Net Fee Income Growth % ... 53.9    
Total Revenue Growth % ... 17.2    
Operating Cost Growth % ... 20.1    
Operating Profit Growth % ... 13.1    
Pre-Tax Profit Growth % ... 7.18    
Net Profit Growth % ... 7.80    
market share        
Market Share in Revenues % 1.46 1.49 ... ...
Market Share in Net Profit % 1.67 1.36 ... ...
balance sheet Unit 2015 2016 2017 2018
balance sheet        
Cash VND bil 7,741 4,871    
Interbank Loans VND bil 762 9,152    
Customer Loans VND bil 47,025 59,164    
Retail Loans VND bil ... 28,329    
Corporate Loans VND bil ... 31,851    
Debt Securities VND bil 26,452 28,839    
Fixed Assets VND bil 266 246    
Intangible Assets VND bil 129 132    
Goodwill VND bil 129 0    
Total Assets VND bil 84,309 104,517    
Shareholders' Equity VND bil 8,611 8,743    
Of Which Minority Interest VND bil 0 0    
Liabilities VND bil 75,698 95,774    
Interbank Borrowing VND bil 12,700 33,320    
Customer Deposits VND bil 53,304 61,261    
Sight Deposits VND bil 10,437 10,689    
Term Deposits VND bil 42,672 50,383    
Issued Debt Securities VND bil 8,545 0    
Other Liabilities VND bil 1,149 1,194    
asset quality        
Non-Performing Loans VND bil 989 1,550    
Gross Loans VND bil 47,777 60,180    
Total Provisions VND bil 752 1,015    
growth rates        
Customer Loan Growth % ... 25.8    
Retail Loan Growth % ... ...    
Corporate Loan Growth % ... ...    
Total Asset Growth % ... 24.0    
Shareholders' Equity Growth % ... 1.53    
Customer Deposit Growth % ... 14.9    
market share        
Market Share in Customer Loans % 1.17 1.22   ...
Market Share in Corporate Loans % ... 0.658 ... ...
Market Share in Total Assets % 1.21 1.29   ...
Market Share in Customer Deposits % 1.06 1.03   ...
ratios Unit 2015 2016 2017 2018
ratios        
ROE % ... 6.47    
ROA % ... 0.595    
Costs (As % Of Assets) % ... 2.25    
Costs (As % Of Income) % 58.0 59.5    
Capital Adequacy Ratio % 18.0 13.3    
Net Interest Margin % ... 2.81    
Interest Spread % ... 2.53    
Asset Yield % ... 5.63    
Cost Of Liabilities % ... 3.11    
Payout Ratio % ... 50.2    
Interest Income (As % Of Revenues) % 77.1 74.4    
Fee Income (As % Of Revenues) % 5.46 7.17    
Other Income (As % Of Revenues) % 17.5 18.4    
Cost Per Employee USD per month 860 1,008    
Cost Per Employee (Local Currency) VND per month 18,614,000 22,210,500    
Staff Cost (As % Of Total Cost) % 49.1 52.7    
Equity (As % Of Assets) % 10.2 8.36    
Loans (As % Of Deposits) % 88.2 96.6    
Loans (As % Assets) % 55.8 56.6    
NPLs (As % Of Loans) % 2.07 2.58    
Provisions (As % Of NPLs) % 76.1 65.5    
Provisions (As % Of Loans) % 1.60 1.72    
Cost of Provisions (As % Of Loans) % ... 1.14    
other data Unit 2015 2016 2017 2018
other data        
Employees 3,884 4,195    
Sight (As % Of Customer Deposits) % 19.6 17.4    
Return on Loans % ... 1.06    
Operating Profit (As % of Loans) % ... 2.72    
Costs (As % Of Loans) % ... 3.99    
Equity (As % Of Loans) % 18.3 14.8    

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