Dividend policy at Vietnamese joint stock commercial banks listed on the stock exchange - 13

LIABILITIES AND EQUITY

I

Government and State Bank Debts

16

10,256,943

-

II

Deposits from other credit institutions

17

10,449,828

9,901.89

III

Customer deposits

18

86,919,196

64,216.94

IV

Derivatives and Financial Liabilities

7

23,351

-

V

Funding, investment trust, credit institution loans bear risk

19

270,304

298.86

VI

Bonds and certificates of deposit

20

26,582,588

16,755.82

VII

Other debts

21

1

Interest and fees receivable

1,114,642

1,072.40

2

Accounts payable and other liabilities

22,157,908

5,293.72

TOTAL LIABILITIES

157,774,760

97,539.66

VIII

CAPITAL AND FUNDS

Capital and funds of the parent bank's owners

1

Charter capital

23

7,814,138

6,355.81

2

Reserve funds

24

952,949

713.55

3

Retained earnings

24

1,339,200

697.10

IX

Minority shareholder interests

-

-

TOTAL LIABILITIES AND EQUITY

167,881,047

105.306.1

COMMITMENTS AND CONTINGENT LIABILITIES

42

3,010,531

1,726.88

Interest and similar income

26

9,613,889

10,497.84

2

Interest and similar expenses

27

(6,813,361)

(7,769.58

I

Net interest income

2,800,528

2,728.25

3

Service income

28

987,982

680.30

4

Service operating costs

29

(118,346)

(73,793

II

Net profit from service activities

869,636

606.50

III

Net income from foreign exchange and gold trading

30

422,336

678.85

IV

Net profit/(loss) from trading of trading securities

33

20,637

(30,067

V

Net profit from trading of investment securities

34

551,718

46.29

5

Income from other activities

187,587

38.48

6

Other operating expenses

(32,398)

(1,130

VI

Net income from other activities

155,189

37.35

VII

Dividend income from capital contribution, share purchase

35

115,026

172.27

VIII

General management costs

36

(1,809,462)

(1,590,90

IX

Net operating profit before credit provision expenses

3,125,608

2,648,57

X

Credit risk provision cost

(287,444)

(87,993

XI

Total profit before tax

2,838,164

2,560.58

7

Current corporate income tax expense

38

(665,075)

(349.89

8

Deferred corporate income tax expense

22, 38

28,115

-

XII

Corporate income tax expense

(636,960)

(349.89

Profit after tax

Minority shareholder interests

2,201,204 2,210,68

- -

PROFIT ATTRIBUTED TO SHAREHOLDERS OF PARENT BANK

2,201,204 2,210,68

Explanation

VND/share VND/share

XV

Earnings per share attributable to shareholders of the Bank Basic earnings per share

25.1

3.042 3.56

Diluted earnings per share

25.2

2.751 2.97

10,497,846

2

Interest and similar expenses

26

(7,769,589)

(3,227,028

I

Net interest income

2,728,257

1.311.10

3

Service income

27

680.301

342,592

4

Service operating costs

28

(73,793)

(71,377)

II

Net profit from service activities

606,508

271,215

III

Net income from foreign exchange and gold trading

29

678,852

155,140

IV

Net (loss)/gain from trading of trading securities

32

(30,067)

344,990

V

Net profit from trading of investment securities

33

46,291

896,792

5

Income from other activities

38,486

90,817

6

Other operating expenses

(1,130)

(85,891)

VI

Net income from other activities

37,356

4,926

VII

Dividend income from capital contributions, share purchases and investments

34

172,279

36,653

VIII

IX

General management costs

Net operating profit before projected expenses

35

(1,590,903)

(804,650

37 (349,898)

(366,807

XIII Profit after tax

2,210,682

1,760.00

XIV Minority Shareholder Interests

-

(215)

PROFIT ATTRIBUTED TO SHAREHOLDERS OF PARENT BANK

2,210,682

1,759.79

Bank

Revenue

Gross profit

Profit

active

Net profit

dynamic

ACB

25,453

7,661

4,514

3,219

CTG

55,792

22,548

13,272

6,280

EIB

17,641

6,237

4,327

3,038

HBB

5,803

1,299

619

262

MBB

-

-

-

-

NVB

2,691

688

310

181

PVF

5,506

1,954

651

368

SHB

7,771

2,228

1,103

753

STB

17,864

6,721

3,160

1,996

VCB

34,003

14,873

9,144

4,241

CEO

product

Short-term debt

Total bow

Equity

retired

281,033

-

267,188

13,845

460,838

-

432,120

28,509

183,585

-

167,281

16,303

41,868

-

37,191

4,677

138,482

500

0

10,826

22,573

-

19,343

3,230

89,421

-

82,132

6,841

70,993

-

65,158

5,834

141,532

-

126,987

14,545

366,750

-

337,272

29,335

P/E

P/B

ROA

ROE

Debt/Equity

ACB

CTG EIB HBB MBB NVB PVF SHB

STB VCB

7.5

1.73

1.2%

24.4%

19:30

7.1

1.57

1.4%

23.7%

15.16

7.4

1.37

1.8%

19.2%

10.26

11.0

0.61

0.6%

5.6%

7.95

4.1

1.26

1.6%

21.7%

10.21

13.2

0.74

0.8%

5.6%

5.99

23.3

1.25

0.4%

6.9%

12.01

6.9

0.89

1.1%

13.1%

11.17

12.3

1.69

1.4%

17.3%

8.73

13.7

1.99

1.2%

14.6%

11.50

Payment method

have

Payment method

have

N Valid

Missing

300

0

300

0

Frequency

Percent

Valid Percent

Cumulative Percent

High Validity

88

29.3

29.3

29.3

On dinh

92

30.7

30.7

60.0

Right and wrong investment

120

40.0

40.0

100.0

Total

300

100.0

100.0

Frequency

Percent

Valid Percent

Cumulative Percent

Valid

Cash

92

30.7

30.7

30.7

Stock exchange

95

31.7

31.7

62.3

Part cash and part stock

107

35.7

35.7

98.0

Other

Total

6

300

2.0

100.0

2.0

100.0

100.0

N

Mean

Std.

Deviation

Std. Error Mean

Short-term payment method with long-term interest

124

176

2.1855

2.0227

.86829

.84822

.07798

.06394

Levene's Test for Equality of

Variances

t-test for Equality of Means

F

Sig.

t

df

Sig. (2-

tailed)

Mean Difference

nce

Std. Error Different

e

95%

Confidence Interval of the Difference

Lower

Upper

Equal method is assumed to have variances

equal variances not

assumed

.77

6

.379

1,621

1,614

298

261.0

56

.106

.108

.16276

.16276

.10043

.10084

-.03488

-.03580

.3603

9

.3613

1

N

Mean

Std.

Deviation

Std. Error Mean

Short-term payment method

Dai Han

124

176

2.1613

2.0682

.80028

.84577

.07187

.06375

Levene's Test for Equality of

Variances

t-test for Equality of Means

F

Sig.

t

df

Sig. (2-

tailed)

Mean Difference

Std. Error Different

e

95%

Confidence

Interval of the Difference

Lower

Upper

Image Equal

True variances assume equal accounting

no variances

.705

.402

.96

0

.96

9

298

273.6

48

.338

.333

.09311

.09311

.09700

.09607

-.09778

-.09602

.28399

.28224