Commercial banks – facts and figures

Some financial norms of credit organizations as calculated by July 31, 2012 (Unit: billion VND).  Outstanding credit was updated as of June 30, 2012. Non-performing loans by late Q1, 2012 –Source: The State Bank of Viet Nam

Statistics show that as of July 31, 2012, the value of credit organizations amounted to VND 4.999 quadrillion, up VND 93,112 billion or 2% against one month earlier and up VND 130,378 billion or 2.68% against April.

Total asset, equity and charter capital of credit organizations in 2012 – Source: State Bank of Viet Nam

Generally, total asset of the banking system increased constantly in April-July period.

Total assets of credit organizations as calculated by July 31, 2012 (Unit: billion VND) – Source: The State Bank of Viet Nam

Similarly, capital charter of credit organizations increased from VND 372,824 billion on April 30 to VND 384,918 billion in late July.

Charter capital of credit organizations as calculated by July 31, 2012 (Unit: billion VND) – Source: The State Bank of Viet Nam

On the other hand, equity was on the decline. As of April 30, equity of credit organizations was VND 414,153 billion; then the figure reached VND 433,519 billion on May 31 and VND 416,322 billion on July 31.

Equity of credit organizations (excluding the Viet Nam Bank for Social Policies) as calculated by July 31, 2012 (Unit: billion VND) – Source: The State Bank of Viet Nam

As of late June, the report of the State Bank of Viet Nam showed that ROE in Q2, 2012 was 3.96%. However, as of July 31, ROE was improved to 4.14%.

ROE in Q2 (Unit: %) – Source: The State Bank of Viet Nam

The rates of minimum capital safety in credit organizations until July 31, 2012 (excluding the Bank for Social Policies) – Source: The State Bank of Viet Nam

The percentage of short-term capital for medium and long-term loans in credit organizations until July 31, 2012 (excluding the Bank for Social Policies) – Source: The State Bank of Viet Nam

By Thanh Thuy