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Vietnam International Bank

Annual Quarterly

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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

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	%	1.11	1.06
Operating Profit (As % of Loans)	%	...	2.72
Costs (As % Of Loans)	%	...	3.99
Equity (As % Of Loans)	%	18.3	14.8