SUMMARY
 
In Q1/2021, most commercial banks recorded a strong growth in profit after tax, mainly due in part to improved NIM which helped increase net interest income, profit from activities services increased sharply from bancarsurance and/or operating profit broking of subsidiaries. Many banks recorded a decrease in provision/profit before tax and a decrease in provision thanks to strong provisioning in the previous quarter.
 
By the end of Q1, the total bad debt (excluding VAMC) of 30 banks observed in Q1/2021 reached 123.2 trillion, which continued to decrease by 1.41%  compared to the end of 2020. However, some banks have the trend of increasing debt in group 2. In addition, regarding VAMC handling, in Q1/2021, about VND4,400 billion of VAMC has been completed. In which, two more banks have completely handled VAMC's bad debts, including EIB and ABB. The total value of VAMC of 30 observed banks is currently VND82.97 trillion, as of the end of Q1/2021.
 
TABLE OF CONTENTS
 
A. INDUSTRY OVERVIEW
     Credit system
Movement of interbank interest rates
Movement of USD/VND exchange rate
Money supply and credit
Structure of credit balance of the whole system in 2M/2021
 
     Bond market
Movement of government bond yields
Issuance value of Corporate bonds by quarter & by month
 
B. OVERVIEW OF BUSINESS RESULTS OF EACH BANK
     Scale and growth of profit before tax
     Scale and growth of profit after tax
     Credit growth in Q1/2021
     Credit scale in Q1/2021
     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
NIM
CASA
CIR
ROE
EPS
BVPS
 
D. DETAILS OF BUSINESS RESULTS OF SOME BANKS
     Vietcombank
     Vietinbank
     BIDV
     OCB