KEY STATISTICAL RATIOS (as of 30/6/2015)

KEY STATISTICAL RATIOS

(as of 30/6/2015, growth rate as compared to end of last year) Unit: billions VND, %

Categories of CIs	Total Assets		Regulatory capital		Charter Capital		ROA	ROE	CAR	Ratio of short-term funding to be used for medium- and long- term loans
	Amount	Growth rate	Amount	Growth rate	Amount	Growth rate
(1)	(2)	(3)	(4)	(5)	(6)	(7)	(8)	(9)	(10)	(11)
State-owned banks	3,042,843	2.49	183,572	8.18	149,453	3.63	0.18	2.48	9.38	28.47
Joint stock commercial banks	2,675,509	-0.47	224,111	10.32	185,506	2.43	0.12	1.49	13.10	32.36
Joint venture, 100% foreign-owned banks, foreign banks'branches	724,017	3.14	113,395	7.58	89,455	3.27	0.16	0.97	34.37	-
Finance and leasing companies	76,227	11.00	16,353	7.53	18,749	-0.66	1.08	3.85	26.83	67.31
Cooperative bank and People's Credit Funds	95,311	9.44	3,061	21.94	5,483	13.49	0.70	5.20	30.97	43.30
Whole system	6,613,907	1.52	540,491	8.97	448,645	2.98	0.17	1.84	13.28	26.56

Note: Data source are from the credit institutions' chart of accounts in June 2015 and financial reports QI 2015;

- State-owned commercial banks include Vietnam Joint Stock Commercial Bank for Industry and Trade (Vietinbank), and Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank), Vietnam Construction Bank; Global Petro Commercial Bank, OCEAN Commercial Bank;

- Columns (4), (5), (10), and (11) do not include Vietnam Bank for Social Policies (not subject to reporting) and People's Credit Funds;

- ROE, ROA are those of Quarter I, 2015 (Financial Reports), has eliminated banks with negative Equity and People's Credit Funds;

- Regulatory capital and CAR have excluded those banks with negative regulatory capital;

- 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.