Investor Presentaiton
Key ratios
Quality
Loans to deposits
Loan loss reserve coverage
(Provision/NPL)
NPL ratio
CAR (1)
Credit Cost
1Q2020 2Q2020 3Q2020
2020A
1Q2021 2Q2021 3Q2021
2021 1Q2022
80.8%
78.5% 79.9%
81.4%
85.0%
87.7%
84.5% 84.6%
87.2%
235.0% 264.4% 215.1%
368.0% 279.0% 351.8% 242.9% 424.4% 372.6%
0.82% 0.80% 1.01% 0.62% 0.88% 0.74% 1.16% 0.63%
10.2% 10.1% 10.4% 9.6% 10.1% 10.1% 10.1% 9.3%
1.16% 1.07% 1.08% 1.26% 1.06% 1.25%
0.81%
9.65%
1.20%
1.31%
0.91%
Profitability
Net interest margin
3.17%
1Q2020 2Q2020 3Q2020 4Q2020
2.95% 2.97% 2.92% 3.16% 3.28%
1Q2021 2Q2021 3Q2021
2021
1Q2022
3.17%
3.16%
3.40%
Non-interest income / Operating
26.5%
25.7% 25.3%
26.0%
35.7% 25.9% 24.5%
25.3% 28.4%
Income
ROAA
1.41%
ROAE
20.14%
Cost to income ratio
40.0%
34.9%
1.46%
20.62% 19.53%
36.4%
1.41%
1.45%
21.11%
2.12%
28.33%
1.65%
21.84%
1.52% 1.60% 2.21%
20.26% 21.58% 28.18%
32.7%
30.5%
33.3%
34.7%
31.0% 26.9%
Vietcombank
Together for the future
1 CAR has been calculated in accordance with Circular 41 (Basel 2 standards) since 1 Jan 2019
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