VIETNAM BANKING SECTOR UPDATA REPORT Q1/2020 [Vietnamese version]
 
CONTENTS
 
GENERAL PERCEPTION
ECONOMIC OVERVIEW 2021 & 5M-2022
INDUSTRY OVERVIEW
Credit system overview
Bond market overview
Insurance market overview
Overview of Q1-2022 business results of 30 commercial banks
Preliminary key business indicators
Size & Profit growth of banks
Assess the level of business efficiency of commercial banks
 
LIST OF CHARTS AND FIGURES
 
ASSESSMENT IN DETAILS
Size & Market share
Size & market share of customer loans
Average loan interest rate
Size & Customer Deposits
Growth in customer deposits at commercial banks
Size of portfolio of credit institutions & corporate bonds
Efficiency & Profit
Total operating profit Q1-2022 - Quarterly
Operating profit structure Q1-2022
Profit after tax Q1-2022 - Quarterly
CIR ratio Q1-2022
Provision for credit losses 1Q2022 - Quarterly
 
ASSESSMENT OF CREDIT PERFORMANCE & SERVICES
Credit growth Q1-2022
Growth of outstanding loans to individual customers
Net interest income Q1-2022 - Quarterly
NIM ratio Q1-2022 - Comparison of changes from quarter to quarter
CASA ratio Q1-2022 - Comparison of change from quarter to quarter
Service interest income Q1-2022 - Quarterly
 
DEBT QUALITY & SAFETY RATIO
Details of NPL ratio of each bank
Movement of debt groups of each bank
Ratio of bad debt coverage of each bank
Loan/Deposit Ratio
Rate of LDP
Credit structure & term deposits
 
LIST OF ABBREVIATIONS
AGRB - Bank for Agriculture and Rural Development of Vietnam
BID - Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV)
CTG - Vietnam Joint Stock Commercial Bank for Industry and Trade (Vietinbank)
VCB - Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank)
SCB - Saigon Commercial Joint Stock Bank
STB - Saigon Thuong Tin Commercial Joint Stock Bank (Sacombank)
MBB - Military Commercial Joint Stock Bank
VPB - Vietnam Prosperity Joint Stock Commercial Bank (VPBank)
TCB - Vietnam Technological and Commercial Joint Stock Bank (Techcombank)
ACB - Asia Commercial Joint Stock Bank
SHB - Saigon - Hanoi Commercial Joint Stock Bank
HDB - Ho Chi Minh City Development Commercial Joint Stock Bank (HDBank)
LPB - Lien Viet Post Commercial Joint Stock Bank (Lienvietpostbank)
VIB - Vietnam International Commercial Joint Stock Bank
TPB - Tien Phong Commercial Joint Stock Bank (TPBank)
PVcom - Public Commercial Joint Stock Bank of Vietnam
EIB - Vietnam Export-Import Commercial Joint Stock Bank (Eximbank)
MSB - Vietnam Maritime Commercial Joint Stock Bank
SSB - Southeast Asia Commercial Joint Stock Bank (Seabank)
OCB - Orient Commercial Joint Stock Bank
BAB - Bac A Bank (Bac A Bank)
NAB - South Asia Commercial Joint Stock Bank
ABB - An Binh Commercial Joint Stock Bank
KLB - Kien Long Commercial Joint Stock Bank
VAB - Viet A Commercial Joint Stock Bank
NCB - National Commercial Joint Stock Bank (NVB)
VBB - Vietnam Thuong Tin Commercial Joint Stock Bank
BVB - Viet Capital Commercial Joint Stock Bank
SGB ​​- Saigon Industrial and Commercial Joint Stock Bank
PGB - Petrolimex Petroleum Commercial Joint Stock Bank
 
HIGHLIGHT: SOME MOVEMENTS IN THE HOME FINANCIAL MARKET 5M-2022

Interest rate movements: O/N interest rates in the first months of the year were at a high level compared to the average of the past 3 years.
 
However, from mid-May until now, O/N interest rates have continuously decreased sharply; partly because the disbursement of loan contracts to customers is slowing down at some commercial banks due to "touching the credit room", and partly thanks to the amount of residential deposits that are "returning" to the banking system after interest rates Dynamic deposit mobilization is gradually inching up, especially in long terms.

USD/VND exchange rate fluctuations in the first months of the year

After falling in T01, the USD/VND rate started to go up after the Lunar New Year. Especially from the 2nd week of April, the exchange rate fluctuated strongly due to the pressure of USD appreciation in the international market. The USD/VND exchange rate on the free market sometimes touched VND 24,000.
 
However, the exchange rate has gradually stabilized and moved sideways in the last 10 days, after the SBV continuously adjusted down the central exchange rate since mid-May.