PGB

BankBanking

Commercial Joint Stock Bank Thịnh vượng và Development

Original Name: Ngân hàng TMCP Thịnh vượng và Phát triển

Reference Price11.100 ₫

Interactive Stock Chart

Exchange Ticker: PGB

Listing Information

Exchange MarketUPCOM

Live SectorBanking

First Trading Date24/12/2020

First Close Price₫16,000

Capital Structure

Charter Capital7,000 Billion VND

Listed Shares681,587,608

Outstanding Shares681,587,608

Treasury Shares-

Detailed Corporate Timeline & Sectors

Establishment Timeline

The predecessor of Petrolimex Petroleum Commercial Joint Stock Bank (“PG Bank”) is Dong Thap Muoi Rural Commercial Joint Stock Bank, officially operating under license No. 0045/NH-GP dated November 13, 1993 with an initial charter capital of 700 million VND.\
In the early years of development, Dong Thap Muoi Rural Commercial Joint Stock Bank always had good growth and contributed greatly to the local socio-economic development process. Realizing clearly the potential and development opportunities of the Bank in particular and the Vietnamese banking and financial market in general during the country's modernization process, in July 2005, Vietnam Petroleum Corporation (Petrolimex) and Saigon Securities Joint Stock Company (SSI) participated in increasing charter capital to 90 billion VND and became major shareholders of the Bank to implement the restructuring plan and expand the scope of operations as well as Bank products and services. Experience in the fields of business and banking finance as well as the abundant financial potential of new shareholders have brought about a major change in the Bank's development goals, strategic orientation and scale of operations.
The strategic investment commitments of major shareholders and the effective restructuring plan demonstrated through impressive business performance indicators are the premise for Dong Thap Muoi Rural Commercial Joint Stock Bank to be allowed to transform its model into an Urban Joint Stock Bank according to Decision No. 125/QD-NHNN dated January 12, 2007 of the State Bank of Vietnam, marking a new development page for the Bank.
Along with the transformation into an Urban Bank and the participation of major shareholders with a new development strategy, on February 8, 2007, Dong Thap Muoi Rural Commercial Joint Stock Bank officially changed its name to Petrolimex Petroleum Commercial Joint Stock Bank (abbreviated as PG Bank) according to Decision No. 368/QD-NHNN of the State Bank.
On December 18, 2009, PGBank was officially recognized by the Securities Commission to become a public company.
On December 25, 2009, PG Bank received approval from the State Bank of Vietnam for Petrolimex Petroleum Commercial Joint Stock Bank to move its Head Office from 132-134 Nguyen Hue, Cao Lanh City, Dong Thap to Office 5, building 18T1-18T2 Trung Hoa - Nhan Chinh New Urban Area, Le Van Luong, Hanoi.
With the approval of the State Bank, on January 5, 2012, PG Bank officially moved its Head Office to Floors 16, 23 and 24, MIPEC Building, 229 Tay Son Street, Nga Tu So Ward, Dong Da District, Hanoi City.
As of June 30, 2020, the Bank's branch network is 80 transaction points, including 1 head office and 16 branches nationwide.
Since its establishment, the Bank has undergone eight capital increases. Currently, the Bank is operating under business registration certificate No. 1400116233 issued by the Department of Planning and Investment of Hanoi City, first registered on November 29, 1993, issued the 19th change on October 24, 2019, with the current charter capital of VND 3,000 billion.
On November 27, 2020, the Bank was granted securities registration certificate No. 74/2020/GCNCP-VSD by the Vietnam Securities Depository Center with stock code PGB.

Line of business

Mobilizing capital: short-term, medium-term, long-term in the form of term and demand deposits, certificates of deposit, receiving investment and development capital, borrowing capital from other domestic credit institutions and foreign financial and banking institutions.
Loans: short-term, medium-term, long-term for all types of production, business and consumption.
Perform domestic and international payment services to serve all customers.
Foreign currency trading, card services.
Invest in government stocks: contribute capital to joint ventures, buy stocks on the short-term and long-term capital market.
Discounts on commercial papers, stocks, valuable papers.
Other banking services.

Address: Floor 4,5,6, Thanh Cong Building, Lot P-D17 Cau Giay New Urban Area, Dich Vong Hau Ward, Cau Giay District, Hanoi City, Vietnam

Phone: (+84)4 6281 1298 Fax: (+84)4 6281 1299

Disclosure Officer:

Email: [email protected]

Website: http://www.pgbank.com.vn/

Ratio / Financial Indicator	2022	2023	2024	2025
Earnings Per Share (EPS)	₫592	₫411	₫499	₫852
Price-to-Earnings (P/E)	18.74x	27.03x	22.26x	13.02x
Book Value Per Share (BVPS)	₫71,878	₫81,415	₫107,125	₫130,343
Price-to-Book (P/B)	0.15x	0.14x	0.10x	0.09x
Return on Equity (ROE)	0.82%	0.50%	0.47%	0.65%
Return on Assets (ROA)	0.82%	0.50%	0.47%	0.65%
Net Profit Margin	33.36%	21.51%	20.48%	30.93%
Debt-to-Equity Ratio	0.03	0.01	0.02	0.01
Current Ratio	-	-	-	-

Audited Financial Statements

Source: KB Securities (KBS) Datafeed • Updated dynamically

Show absolute values (VND)

Thu nhập lãi thuầnNet interest income

+55.2% YoY

Lợi nhuận sau thuế (XI-XII)Net profit after tax

+43.9% YoY

TỔNG CỘNG TÀI SẢNTOTAL ASSETS

+81.3% YoY

Financial Indicator (VND)	2025	2024	2023	2022
1. Thu nhập lãi và các khoản thu nhập tương tự1. Interest income and similar income	4,638,361,000,000	3,496,810,000,000	3,455,868,000,000	2,748,340,000,000
2. Chi phí lãi và các chi phí tương tự2. Interest expense and similar expenses	2,760,555,000,000	1,837,972,000,000	2,154,514,000,000	1,538,115,000,000
I. Thu nhập lãi thuầnI. Net interest income	1,877,806,000,000	1,658,838,000,000	1,301,354,000,000	1,210,225,000,000
3. Thu nhập từ hoạt động dịch vụ3. Fee and commission income	201,064,000,000	100,087,000,000	99,301,000,000	117,677,000,000
4. Chi phí hoạt động dịch vụ4. Fee and commission expenses	68,350,000,000	82,183,000,000	64,611,000,000	38,452,000,000
II. Lãi/lỗ thuần từ hoạt động dịch vụII. Net fee and commission income	132,714,000,000	17,904,000,000	34,690,000,000	79,225,000,000
III. Lãi/lỗ thuần từ hoạt động kinh doanh ngoại hối và vàngIII. Net gain/(loss) from foreign currencies and gold trading	93,486,000,000	251,000,000	19,451,000,000	42,681,000,000
IV. Lãi/lỗ thuần từ mua bán chứng khoán kinh doanhIV. Net gain/(loss) from trading securities	-	-	-	27,266,000,000
V. Lãi/lỗ thuần từ mua bán chứng khoán đầu tưV. Net gain/(loss) from investment securities	61,835,000,000	-54,677,000,000	-3,454,000,000	-
5. Thu nhập từ hoạt động khác5. Other income	319,807,000,000	209,949,000,000	43,472,000,000	170,683,000,000
6. Chi phí hoạt động khác6. Other expenses	13,169,000,000	1,016,000,000	2,175,000,000	18,643,000,000
VI. Lãi/lỗ thuần từ hoạt động khácVI. Net other income	306,638,000,000	208,933,000,000	41,297,000,000	152,040,000,000
VII. Thu nhập từ góp vốn, mua cổ phầnVII. Income from capital contribution and long-term investments	1,809,000,000	148,000,000	132,000,000	44,000,000
VIII. Chi phí hoạt độngVIII. Operating expenses	1,126,947,000,000	973,967,000,000	808,209,000,000	745,913,000,000
IX. Lợi nhuận thuần từ hoạt động kinh doanh trước chi phí dự phòng rủi ro tín dụng (I+II+III+IV+V+VI+VII-VIII)IX. Operating profit before provision for credit losses	1,347,341,000,000	857,430,000,000	585,261,000,000	765,568,000,000
X. Chi phí dự phòng rủi ro tín dụngX. Provision for credit losses	620,677,000,000	431,982,000,000	234,029,000,000	259,833,000,000
XI. Tổng lợi nhuận trước thuế (IX-X)XI. Profit before tax	726,664,000,000	425,448,000,000	351,232,000,000	505,735,000,000
7. Chi phí thuế TNDN hiện hành7. Current corporate income tax expenses	145,801,000,000	85,645,000,000	71,337,000,000	102,048,000,000
8. Chi phí thuế TNDN hoãn lại8. Deferred income tax expenses (*)	-	-	-	-
XII. Chi phí thuế TNDNXII. Corporate income tax	145,801,000,000	85,645,000,000	71,337,000,000	102,048,000,000
XIII. Lợi nhuận sau thuế (XI-XII)XIII. Net profit after tax	580,863,000,000	339,803,000,000	279,895,000,000	403,687,000,000
XIV. Lợi ích của cổ đông thiểu sốXIV. Minority interest	-	-	-	-
XV. Lợi nhuận sau thuế của cổ đông của Ngân hàng mẹ (XIII-XIV)XV. Net profit atttributable to the equity holders of the Bank	580,863,000,000	339,803,000,000	279,895,000,000	403,687,000,000
Lãi cơ bản trên cổ phiếu (BCTC) (VNÐ)Earning per share (VND)	1,117	809	666	1,346

Data Source & Disclaimer

Data Source: Financial statement data is automatically aggregated from official disclosure feeds of listed companies through the analysis system of KB Securities Vietnam JSC (KB Securities).

Disclaimer: All financial data displayed on this website is provided for general reference purposes only. We make every effort to update accurate data but do not provide any warranty regarding its completeness or absolute reliability. The displayed figures do not constitute investment advice or an offer to trade securities. Users assume all risks and responsibilities for any financial decisions made based on the data on this website.

PGB

Commercial Joint Stock Bank Thịnh vượng và Development

Interactive Stock Chart

Listing Information

Capital Structure

Detailed Corporate Timeline & Sectors

Key Financial Ratios (2025)

Historical Financial Metrics (YoY)

Financial Ratios Reference & Interpretation Guide

Audited Financial Statements

PGB — Financial Data Summary (2022–2025)

Executive Summary

Operating Performance & Profitability

Asset Structure & Financial Leverage

Cash Flow Quality