SUMMARY 
 
Compared to Q2, the total operating profit of most banks decreased in Q3. The common reduction of each bank ranges from 12% to 25%, due to the decrease in the profit of many activities (especially net interest income, service interest, ...). The NIM ratio at some banks is showing signs of decreasing (as a result of the policy of reducing interest rates to support customers according to the general policy of the State Bank).
 
However, this result is still higher than in Q3/2020. In addition, thanks to the positive results in the first 6 months, the total accumulated operating profit 3Q of banks still grew at a high rate. Taking advantage of the positive 3Q overall business results, some banks have made provision for most of the restructuring debts that need to be deducted in 2021, in order to reduce the pressure of provisioning in the following year.
 
TABLE OF CONTENTS
 
A. INDUSTRY OVERVIEW
     Credit system
Credit and deposit growth of the whole country 3Q/2021
Credit growth in some provinces 3Q/2021
Outstanding loans and credit growth by industry Q3/2021
 
     Bond market
Movement of government bond yields
Size of corporate bond issuance 3Q/2021
 
B. OVERVIEW OF BUSINESS RESULTS OF 30 COMMERCIAL BANKS
     Preliminary business targets
     Scale and growth of profit after tax
     Business efficiency
     
C. DETAIL
     Market share of loans and customer deposits
     Size of bond portfolio of credit institutions and Corporate bonds
     Detailed list of corporate bonds of each bank
     Details of each bank's customer loan growth
     Debt quality
     Safety ratios
Loan/Collateral ratio
Credit structure and term deposit
 
     Size and growth in operating profit
     Operating profit structure
     Quarterly net interest income
     Service interest
     Performance Indicators
NIM
CASA
CIR
ROE
EPS
BVPS