Investor Presentaiton
4 High asset quality and strong capital base
FY ended 31 December
Loans to deposits
2014A
2015A 2016A
2017A
2018A
2019A 2020A
2021
76.58% 77.36% 78.04% 76.70%
78.79%
79.14% 81.37% 84.62%
Loan loss reserve coverage (Provision/NPL)
94.43% 120.63% 117.12% 130.67% 165.41%
179.5% 368.0% 424.36%
NPL ratio
2.31%
1.84% 1.51%
1.14%
0.98%
0.79% 0.62% 0.64%
CAR (*)
Credit Cost
11.61%
11.04% 11.13% 11.63%
12.14%
9.60% 9.56% 9.47%
1.53%
1.71%
1.51%
1.23%
1.26%
0.99%
1.27%
1.31%
Total assets
(VND tn)
Earning assets breakdown (2021)
CAGR (2014-2021): 13.7%
Investment in
securities;
12,5%
Balances with
SBV; 1,6%
Placements
with & loans
1.326
1.415
1.223
VND
1,382tn
1.035 1.074
788
674
577
Loans &
advances to
customers;
2014
2015
2016
2017
2018 2019
2020
2021
69,5%
Vietcombank
Together for the future
(*) CAR has been calculated in accordance with Circular 41 (Basel 2 standards) since 1 Jan 2019
to other
banks; 16,3%
15View entire presentation