top of page
BANKING INDUSTRY REPORT - 03/2022

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

$149.00Price
  • Number of pages:          42 pages

    Format:                           PDF

    Data series:                     Last 13 months

    Release date:                 March 20, 2022 

bottom of page