SUMMARY
 
Profit after tax of all banks increased, and most of them increased strongly, mainly due to the increase in net interest income due to credit growth, NIM continued to expand. Service interest increased sharply. In which, many banks benefit from Bancarsurance activities. A few banks have high investment returns: TCB, MBB, VPB, OCB, SCB, and TPB. The CIR ratio of many banks reduced as interest increased faster than operating expenses.
 
NPL ratio of many banks recorded a decrease. Part of the reason is that commercial banks are still allowed to restructure debts/ keep debt groups unchanged for eligible enterprises under Circular 03/2021/TT-NHNN. In addition, group 2 debt of most banks showed signs of increasing.
 
TABLE OF CONTENTS
 
A. INDUSTRY OVERVIEW
     Credit system
Credit and deposit growth of the whole country
Credit growth in some provinces 1H/2022
Outstanding loans and credit growth by industry 1H/2022
 
     Bond market
Movement of government bond yields
Total issuance value of corporate bonds Jan - Jun 2021
Corporate bond issuance structure by industry 6M/2021
Issuance scale and growth by industry 6M/2021
 
B. OVERVIEW OF BUSINESS RESULTS OF 30 COMMERCIAL BANKS
     Preliminary business targets
     Profit after tax of 30 commercial banks in 1H/2021
     ROE and Assets Correlation
     Correlation ROE and coefficient PE
     Bad debt ratio 
 
C. DETAIL
     Market share of loans and customer deposits
     Customer loan growth
     List of bonds of credit institutions and corporate bonds
     Debt quality
     Safety ratios 
Loan/Collateral ratio
Credit structure and term deposit
 
     Size and growth in operating profit
     Operating profit structure
     Service profit structure
     Performance Indicators
NIM
CASA
CIR
ROE
EPS
BVPS