Fundamental Analysis
No bank-rubric score for this symbol. A bank is scored once it files a quarter with a balance sheet; EVF and TIN take no customer deposits, so the rubric does not apply to them.
Financial charts
1.Solvency & Capital Buffer
tỷ VND · CAR %15.0%Q2/26
1.Solvency & Capital Buffer
tỷ VND · CAR %15.0%Q2/26
2.Liquidity & Maturity Mismatch
%126%Q2/26
3.Asset Quality & Credit Migration
tỷ VND · NPL / PCR %59.9%Q2/26
4.Hidden NPL & Accrued Interest
tỷ VND · %
5.Asset & Funding Structure
VND bn23.221Q2/26
6.Spread Dynamics & Risk-Adjusted NIM
%33.8%Q2/26
Outlier warning: 5 period(s) outside -1…100 days, drawn at the limit
7.Revenue Structure & Diversification
VND bn4.415Q2/26
8.Operational Efficiency
tỷ VND · CIR %11.5%Q2/26
9.DuPont Profitability Decomposition
%80.8%Q2/26
10.Valuation & Excess Return Matrix
27 banks placed; 6 labelled. The diagonal is the sector benchmark (Ke 0,1%, g 0,1%); the dashed horizontal is the sector median adjusted P/B. Book value is reduced by unprovisioned classified debt and overdue accrued interest, after tax.
Cost of equity per bank = risk-free 0,0% + Blume-adjusted beta × equity risk premium 0,1%; beta is two years of weekly returns against the VN-Index. The risk-free rate is a fixed assumption, not an observed yield.
Source: vnstockData through Q2/26