SUMMARY
Total assets of the whole credit institution system increased sharply in Q4/2021. In which, both outstanding loans to customers and bond portfolio (including bonds, credit institutions and corporate bonds) accelerated compared to the end of Q3/2021. By the end of 2021, the total assets of the 30 commercial banks observed in this report increased by 14.16% year-on-year. In which, outstanding loans to customers accelerated after many credit institutions were extended "rooms" by the SBV. As of December 31, 2021, the credit balance of the whole system reached VND 10.44 million billion, an increase of 13.61% compared to the previous year.
In Q4/2021, the total operating profit of most banks increased sharply compared to Q3. For the whole year of 2021, the total operating profit of 30 commercial banks observed in this report reached VND 478.4 trillion (up 25.31% compared to the previous year), and the total profit after tax reached VND 146.7 trillion.
TABLE OF CONTENTS
A. MACROECONOMIC OVERVIEW AND CREDIT SYSTEM
Overview of indicators 2017 - Q1/2022
- GDP growth
- Consumer price index (CPI)
- industrial production index (IIP)
- FDI attraction
- Export turnover growth
- Balance of trade
- Growth in total retail sales of goods and services
- Goods retail growth
Credit system overview
- National credit and mobilization growth Q1/2022
- Credit growth in some provinces in 2021
- Movement of interbank interest rates
- Structure of credit balance by industry
Bond market overview
- Movement of government bond yields
- Size of bond issuance in the whole market in 2021
Insurance market overview
- Total premium revenue 2017 - 2021
- Quarterly premium revenue
- Total life insurance premium revenue 2017 - 2021
- Market share of life insurance premium revenue
- Market share of non - life insurance premium revenue
B. OVERVIEW OF BUSINESS RESULTS OF 30 COMMERCIAL BANKS
Preliminary business targets
Structure of bad debt of 30 commercial banks
Outstanding VAMC bonds of some banks
C. SIZE AND MARKET SHARE OF CREDIT AND MOBILIZE
Size and market share of customer loans
Size and customer deposit
Size of bond portfolio of credit institutions and Corporate bonds
D. OPERATION EFFICIENCY
Total operating profit by quarter
Operating profit structure in 2021
Profit after tax in 2021 & by quarter
CIR ratio in 2021
Contingency cost for credit losses deducted in 2021
Contingency cost for credit losses deducted quarterly
E. ASSESSMENT OF CREDIT ACTIVITIES AND SERVICES
Assessment of credit performance
- Credit growth in 2021
- Structure of outstanding loans to customers
- Growth of outstanding loans to customers individuals
- Quarterly net interest income
Quarterly NIM
Rate of CASA
Assessment of other service activities' performance
- Net profit from service fee quarterly
- Bancassurance operating profit of some banks
F. QUALITY OF DEBT AND SAFETY RATES
Details of NPL ratio of each bank
Movement of debt groups of each bank
NPL coverage ratio of each bank
Loan/Collateral ratio
Loan/Deposit ratio
Credit structure and term deposit
BANKING INDUSTRY REPORT - 03/2022
Number of pages: 42 pages
Format: PDF
Data series: Last 13 months
Release date: March 20, 2022