SUMMARY
 
In 2020, the State Bank has lowered the operating interest rate 3 times. Accordingly, interbank interest rates fell to a multi-year record low, and commercial lending and deposit rates were also in a continuous downward trend and continued to decline in Q4. Government bond yields fell sharply and remained low. The corporate bond market is vibrant. A large amount of corporate bonds were issued, especially in the first 3 quarters of the year.
 
In the fourth quarter, the digital transformation race of banks has initially shown its effectiveness when it helps to sharply increase the CASA ratio, which will create a premise for the bank to improve its net interest income margin (NIM).
 
TABLE OF CONTENTS
 
A. INDUSTRY OVERVIEW
     Credit system
Movement of interbank interest rates
Movement of USD/VND exchange rate
Money supply and credit
Credit size to GDP
Quarterly credit growth 
 
     Bond market
Movement of government bond yields
Issuance of corporate bonds 2020
 
B. OVERVIEW OF BUSINESS RESULTS OF EACH BANK
     Scale and growth of profit in 2020
     Credit growth in 2020
     Credit scale in 2020
     NPL ratio (group 3 - 5)
     
C. DETAIL
     Size and structure of assets
     Credit and corporate bond market share
     Credit quality
     Size and profit structure
     Safety ratios
Loan/Collateral ratio
Credit structure and term deposit
Provision made/Total bad debt
 
     Result of each activity array
     Performance Indicators
Tỷ lệ NIM
Tỷ lệ CASA
Tỷ lệ CIR
ROE
EPS
BVPS
 
D. DETAILS OF BUSINESS RESULTS OF SOME BANKS
     Vietcombank
     Vietinbank
     BIDV
     OCB