KEY STATISTICAL RATIOS
(as of 31/10/2022, growth rate as compared to end of last year)
1. October 2022 (updated monthly)
1.1. Key statistical ratios (as of 31/10/2022, growth rate as compared to end of last year)
Unit: billions VND, %
Categories of CIs |
Total Assets |
Charter Capital |
Ratio of short-term funding to be used for medium- and long- term loans |
Loan to Deposit Ratio |
||
Amount |
Growth rate |
Amount |
Growth rate |
|||
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
State-owned banks |
7,367,321 |
14.19 |
190,410 |
5.74 |
28.46 |
82.04 |
Vietnam Bank for Social Policies |
296,610 |
14.25 |
22,185 |
16.63 |
|
|
Joint stock commercial banks |
7,509,781 |
5.00 |
452,947 |
15.08 |
28.84 |
77.31 |
Joint venture, 100% foreign-owned banks, foreign banks'branches |
1,774,280 |
8.88 |
144,924 |
4.59 |
|
41.72 |
Finance and leasing companies |
292,336 |
12.36 |
37,477 |
4.46 |
40.59 |
|
Cooperative bank |
50,018 |
1.73 |
3,030 |
0.00 |
15.24 |
64.10 |
People's Credit Funds |
165,894 |
4.45 |
6,294 |
11.22 |
|
|
Whole system |
17,456,241 |
9.37 |
857,266 |
10.50 |
25.71 |
75.82 |
Note: Data source are from statistic report of credit institutions and foreign bank branches (excluding microfinance institutions) in October 2022;
- State-owned commercial banks include Vietnam Bank for Agriculture and Rural Development, Vietnam Joint Stock Commercial Bank for Industry and Trade (Vietinbank), and Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank), Joint Stock Commercial Bank for Investment and Development of Vietnam, Vietnam Construction Bank; Global Petro Commercial Bank, OCEAN Commercial Bank;
- Columns (6), (7) do not include Vietnam Bank for Social Policies (not subject to reporting) and People's Credit Funds;
- Total assets is calculated on the basis of the Circular 49/2014/TT-NHNN.
- Ratio of short-term funding to be used for medium and long term loans is not available for joint venture, 100% foreign-owned banks, foreign banks'branches due to their non-usage of short-term funding for the medium and long term loans.
- Loan to Deposit Ratio is calculated on the basis of the Circular 22/2019/TT-NHNN.
1.2. Capital adequacy ratio (as of 31/10/2022, growth rate as compared to end of last year)
Unit: billions VND, %
No |
Categories of Cis |
Regulatory capital |
CAR |
|
Amount |
Growth rate |
|||
(1) |
(2) |
(3) |
(4) |
(5) |
1 |
Group of banks applied circular 41/2016/TT-NHNN |
1,390,943.3 |
16.36 |
11.71 |
1.1 |
State-owned banks |
422,786.4 |
15.23 |
9.04 |
1.2 |
Joint stock commercial banks |
722,854.7 |
18.52 |
12.29 |
1.3 |
Joint venture, 100% foreign-owned banks, foreign banks'branches |
245,302.1 |
12.24 |
18.61 |
2 |
Group of banks applied circular 22/2019/TT-NHNN |
188,900.1 |
4.62 |
9.68 |
2.1 |
State-owned banks |
125,860.2 |
13.99 |
10.34 |
2.2 |
Joint stock commercial banks |
58,138.3 |
-2.06 |
8.38 |
2.3 |
Joint venture, 100% foreign-owned banks, foreign banks'branches |
2,115.9 |
-73.71 |
17.26 |
2.4 |
Cooperative bank |
2,785.7 |
1.67 |
10.17 |
3. |
Group of non-banks applied circular 23/2020/TT-NHNN |
53,998.8 |
4.79 |
18.23 |
3.1 |
Finance and leasing companies |
53,998.8 |
4.79 |
18.23 |
Note: Data source are from statistic report of credit institutions and foreign bank branches (excluding microfinance institutions) in October 2022;
- State-owned commercial banks include Vietnam Bank for Agriculture and Rural Development, Vietnam Joint Stock Commercial Bank for Industry and Trade (Vietinbank), and Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank), Joint Stock Commercial Bank for Investment and Development of Vietnam, Vietnam Construction Bank; Global Petro Commercial Bank, OCEAN Commercial Bank;
- The Regulatory capital of the state-owned banks had a big volatility in Group of banks applied Circular 22/2019/TT - NHNN (Circular 22). The reason is BPCE IOM Ho Chi Minh city branch, BNK Busan Bank Ho Chi Minh city Branch and Agricultural Bank of China Limited started to apply Circular 41/2016/TT-NHNN from January 2022 and switched from Group of banks applied Circular 22 to Group of banks applied Circular 41.
- Regulatory capital and CAR have excluded those banks with negative regulatory capital.
2. The Third quarter 2022 (updated quarterly)
Unit: %
Categories of CIs |
ROA |
ROE |
(1) |
(2) |
(3) |
State-owned banks |
0.85 |
14.81 |
Vietnam Bank for Social Policies |
1.41 |
7.55 |
Joint stock commercial banks |
1.36 |
14.42 |
Joint venture, 100% foreign-owned banks, foreign banks'branches |
0.85 |
5.94 |
Finance and leasing companies |
1.36 |
7.34 |
Cooperative bank |
0.32 |
3.77 |
People's Credit Funds |
1.05 |
14.77 |
Whole system |
1.09 |
12.61 |
Note: Data source based on Financial Statements of credit institutions and foreign bank branches (excluding microfinance institutions) in the third quarter of 2022.
- State-owned commercial banks include Vietnam Bank for Agriculture and Rural Development, Vietnam Joint Stock Commercial Bank for Industry and Trade (Vietinbank), and Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank), Joint Stock Commercial Bank for Investment and Development of Vietnam, Vietnam Construction Bank; Global Petro Commercial Bank, OCEAN Commercial Bank;
- ROE, ROA has eliminated banks with negative Equity.