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2.5 2.33
1.5 1.42
1.33 1.3
1.18 1.21 1.24 1.22
1.15
1.02 1.02
1 0.84 0.91 0.87
0.7
0.5
0
TCB SHB MSB VIB OCB TPB MBB VPB HDB ACB EIB CTG VCB LPB BID STB
2.5 2.33
1.18 1.42
3.12
3
2.5 2.33
0
TCB SHB MSB VIB OCB TPB MBB VPB HDB ACB EIB CTG VCB LPB BID STB
5.04
5
4.24
3.98
4 3.68
3.53
3.2 3.12
3 2.72 2.78
2.53 2.59
2.33 2.37 2.41 2.33
2.08 2.01 2.05
2
1.33 1.42 1.3
1.15 1.18 1.21 1.24 1.22
0.91 1.02 1.02
1 0.84 0.87
0.7
0
TCB SHB MSB VIB OCB TPB MBB VPB HDB ACB EIB CTG VCB LPB BID STB
59%
3
2.33
2.5
43%
41% 41% 41%
39% 38% 38%
2
1.22
1.5
25%
1 18%
15%
0.5
BID STB
0
TCB SHB MSB VIB OCB TPB MBB VPB HDB ACB EIB
2.33
VIB
1.16 1.22
P/B cao nhất 4.24
0.62
4
P/B thấp nhất 0.88
BID STB
P/B hiện tại 1.33
TCB
BID STB
LPB
1.92 0.83
1.60 0.70
1.77 0.90
2.93 1.39
1.65 0.88
2.57 1.15
2.09 1.03
2.19 1.19
1.94 1.17
2.04 1.41
2.32 1.16
1.66 1.22
2.72 3.21
1.65 1.01
2.57 2.24
1.73 1.16
60%
50%
% 40%
30%
25%
18% 20%
15%
14%
10%
5% 5%
1% 1%
0%
B HDB ACB EIB CTG VCB LPB BID STB
thể upside thêm bao nhiêu % - nếu tỉ lệ =<0 nghĩa là đã chạm định giá)
MSB
HDB
EIB
2.41
P/B cao nhất 2.59
P/B cao nhất
VPB TPB
0 0.5 1 1.5
0 0.5 1 1.5 2 2.5 3 3.5 4
OCB BID
TPB STB
1.03
P/B thấp nhất 0.62
1.15
P/B hiện tại 1.22
1 1.5 2 2.5 3
0 0.5 1 1.5 2 2.5
BID VCB
3.98
P/B cao nhất 5.04
1.16
P/B thấp nhất 0.99
2.33
P/B hiện tại 3.12
2.33
P/B hiện tại 3.12
2.5 3 3.5
0 0.5 1 1.5 2 2.5 3
EIB
2.05
P/B cao nhất 2.59
2 2.5
0 0.5 1 1.5 2 2.5 3
5.04
4 5 6
4 5 6
2018 2019 2020 2021 2022
VIB 22.55% 27.11% 29.57% 30.33% 29.75%
ACB 27.73% 24.64% 24.31% 23.90% 26.49%
MBB 19.41% 21.79% 19.13% 23.49% 25.55%
35.00%
HDB 20.27% 21.61% 20.61% 23.26% 23.53%
TPB 20.87% 26.11% 23.54% 22.60% 21.51%
OCB 30.00%
23.58% 25.44% 24.43% 22.45% 14.91%
TCB 21.53% 17.96% 18.41% 21.97% 19.80%
VCB 25.49% 25.90% 21.11% 21.59% 24.21% 25.00%
ROE
MSB 6.31% 7.28% 12.67% 20.74% 18.96%
LPB 9.80% 14.05% 13.89% 18.52% 22.08% 20.00%
SHB 10.78% 13.88% 12.26% 16.81% 19.69%
VPB 22.83% 21.47% 21.92% 16.51% 17.83%
15.00%
CTG 8.05% 13.10% 16.90% 15.88% 16.81%
BID 14.59% 12.93% 9.18% 13.06% 19.37%
STB 7.48% 9.56% 9.63% 10.79% 13.83% 10.00%
EIB 4.53% 5.65% 6.57% 5.58% 15.40%
VIB 20.38% 34.39% 31.21% 18.87% 15.10% 5.00%
ACB 16.13% 16.56% 15.92% 16.19% 14.31%
MBB 16.56% 16.60% 19.16% 21.88% 26.69%
0.00%
HDB 17.83% 18.84% 21.87% 13.96% 29.84% 2018
TPB 21.70% 23.91% 25.46% 17.70% 14.00%
VIB AC
OCB 16.88% 26.23% 25.53% 14.36% 17.40%
MSB LP
TCB -0.57% 44.31% 20.24% 25.16% 21.07%
Tăng VCB 16.27% 16.28% 14.30% 14.40% 19.18%
trưởng tín
dụng MSB 34.66% 30.42% 24.76% 28.01% 18.79%
LPB 18.46% 17.89% 25.69% 18.31% 12.71%
T
SHB 9.43% 22.20% 15.26% 18.58% 6.41% 50.00%
VPB 21.51% 15.87% 13.08% 22.17% 23.38%
CTG 9.39% 8.13% 8.56% 11.36% 12.75%
40.00%
BID 14.06% 12.97% 8.71% 11.56% 12.37%
STB 15.11% 15.36% 14.94% 14.01% 13.07%
EIB 2.68% 8.85% -11.03% 13.80% 13.81% 30.00%
20.00%
10.00%
0.00%
2018
-10.00%
-20.00%
VIB A
MSB LP
ROE ngành ngân hàng