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