VPBank announced its 2022 results with key highlights as follows:
- Vietnam GDP grew 8.02% in 2022 despite global economic challenges.
- VPBank achieved strong credit growth of 30.9% and profit before tax growth of 71.3%.
- Non-interest income grew significantly through payment activities and other fee sources.
- Asset quality was well-maintained with NPL ratio of 2.19% and loan loss reserves at 74.4%.
- Challenges for Vietnam's economic growth in 2023 are expected due to global slowdown pressures.
CTG - Cap nhat KQKD Quy IV.2022_Final_EN.pptxngothithungan1
The document summarizes VietinBank's business performance and results for 2022. Major highlights include:
- Total assets reached 1,809 trillion VND, an 18.1% increase year-to-date. Loans to customers grew 12.7% to 1,275 trillion VND.
- Pre-tax profit was 21.1 trillion VND, a 20% increase year-over-year, driven by 15% growth in net interest income.
- Customer deposits increased 7.5% to 1,249 trillion VND, with retail and SME deposits growing as a proportion of the total.
- Non-performing loans provisioning increased 31.5% to 24.2 trillion
1) Major scale indicators of VietinBank in 1Q2022 grew positively both year-to-date and year-over-year, with total assets increasing 8.6% YTD.
2) Credit continued its growth trend, increasing 8.8% YTD, while non-performing loans were well controlled at 1.25%.
3) Total operating income in 3M2022 reached 14.1 trillion VND, an 8.9% increase year-over-year, with strong growth in net income from FX trading activities.
CTG - Cap nhat KQKD Quy I.2022_final -ENG_V1.pptxngothithungan1
1) Major scale indicators of VietinBank in 1Q2022 grew positively both year-to-date and year-over-year, with total assets increasing 8.6% YTD.
2) Credit continued its growth trend, increasing 8.8% YTD, while non-performing loans were well contained at 1.25%.
3) Total operating income in 3M2022 reached 14.1 trillion VND, an 8.9% increase year-over-year, with strong growth in net income from FX trading activities.
CTG-Cap nhat ket qua KD quy 1.2023_final_EN_Final.pptxngothithungan1
The document provides details on VietinBank's business performance in 1Q2023. Key highlights include:
- Total assets reached 1,824 trillion VND, up 0.9% YTD, with loans to customers up 4.6% YTD.
- Total income was 17 trillion VND, up 21% YoY, driven by increases in net interest income and net fee income.
- Customer deposits increased 1.9% YTD to 1,272 trillion VND, with retail deposits growing strongly.
- Loans to customers increased 4.6% YTD to 1,333 trillion VND, concentrated in large corporate and FDI sectors.
- Non-performing
CTG-Cap nhat ket qua KD quy 1.2023_final_EN_31.05.2023.pptxngothithungan1
- Loan balances grew 4.6% year-to-date in 1Q2023, driven by large corporate and FDI customers. Retail loans slightly decreased.
- Total assets increased 0.9% year-to-date. Net interest income grew 24.8% and net fee income grew 52% year-over-year, contributing to a 21% rise in total operating income.
- Non-performing loans rose to 1.28% of total loans and credit risk provisions increased 51.9% year-over-year to prepare for potential future risks. Profit before tax was up 2.7% year-over-year.
CTG - Cap nhat KQKD Quy III.2022_final_EN.pptxngothithungan1
VietinBank's business performance in 3Q2022 and 9M2022 continued positive results with total assets reaching VND 1,751 trillion as of September 30th, 2022, up 14.3% year-to-date. Total pre-tax profit was VND 4.2 trillion in 3Q2022, increasing 35.8% year-over-year. Loan balances grew 10.1% year-to-date with a positive shift toward retail and SME segments. Non-performing loans remained under control at 1.42% while capital adequacy ratio was high at 222.4%. E-banking and digital transactions surged, demonstrating VietinBank's ongoing digital transformation efforts.
BNI reported strong financial results for FY2021 with total assets growing 14.9% YoY to Rp964.8 trillion. Loan growth was 5.3% while third party funds grew 15.5% driven by a 17.1% increase in low-cost CASA deposits. Asset quality improved with the NPL ratio declining to 3.7% and coverage ratio increasing to 233.4%. Profitability metrics also strengthened significantly with ROE rising to 10.4% from 2.9% in 2020. Excess liquidity was temporarily parked in placements with Bank Indonesia and other banks.
- The company reported strong financial results for 4Q23 and FY 2023, with net income up 81% YoY for the full year. ROE expanded to 14.7% for 2023 compared to 8.9% in 2022.
- Key drivers were increased net interest income and margins, strong fee income growth, and improved efficiency. The loan portfolio grew 11% YoY while deposits were up 38% YoY.
- Asset quality remained strong with low credit risk and robust reserve coverage of over 650%. Guidance for 2024 forecasts continued portfolio growth, margin expansion, and ROE of 14-15%.
CTG - Cap nhat KQKD Quy IV.2022_Final_EN.pptxngothithungan1
The document summarizes VietinBank's business performance and results for 2022. Major highlights include:
- Total assets reached 1,809 trillion VND, an 18.1% increase year-to-date. Loans to customers grew 12.7% to 1,275 trillion VND.
- Pre-tax profit was 21.1 trillion VND, a 20% increase year-over-year, driven by 15% growth in net interest income.
- Customer deposits increased 7.5% to 1,249 trillion VND, with retail and SME deposits growing as a proportion of the total.
- Non-performing loans provisioning increased 31.5% to 24.2 trillion
1) Major scale indicators of VietinBank in 1Q2022 grew positively both year-to-date and year-over-year, with total assets increasing 8.6% YTD.
2) Credit continued its growth trend, increasing 8.8% YTD, while non-performing loans were well controlled at 1.25%.
3) Total operating income in 3M2022 reached 14.1 trillion VND, an 8.9% increase year-over-year, with strong growth in net income from FX trading activities.
CTG - Cap nhat KQKD Quy I.2022_final -ENG_V1.pptxngothithungan1
1) Major scale indicators of VietinBank in 1Q2022 grew positively both year-to-date and year-over-year, with total assets increasing 8.6% YTD.
2) Credit continued its growth trend, increasing 8.8% YTD, while non-performing loans were well contained at 1.25%.
3) Total operating income in 3M2022 reached 14.1 trillion VND, an 8.9% increase year-over-year, with strong growth in net income from FX trading activities.
CTG-Cap nhat ket qua KD quy 1.2023_final_EN_Final.pptxngothithungan1
The document provides details on VietinBank's business performance in 1Q2023. Key highlights include:
- Total assets reached 1,824 trillion VND, up 0.9% YTD, with loans to customers up 4.6% YTD.
- Total income was 17 trillion VND, up 21% YoY, driven by increases in net interest income and net fee income.
- Customer deposits increased 1.9% YTD to 1,272 trillion VND, with retail deposits growing strongly.
- Loans to customers increased 4.6% YTD to 1,333 trillion VND, concentrated in large corporate and FDI sectors.
- Non-performing
CTG-Cap nhat ket qua KD quy 1.2023_final_EN_31.05.2023.pptxngothithungan1
- Loan balances grew 4.6% year-to-date in 1Q2023, driven by large corporate and FDI customers. Retail loans slightly decreased.
- Total assets increased 0.9% year-to-date. Net interest income grew 24.8% and net fee income grew 52% year-over-year, contributing to a 21% rise in total operating income.
- Non-performing loans rose to 1.28% of total loans and credit risk provisions increased 51.9% year-over-year to prepare for potential future risks. Profit before tax was up 2.7% year-over-year.
CTG - Cap nhat KQKD Quy III.2022_final_EN.pptxngothithungan1
VietinBank's business performance in 3Q2022 and 9M2022 continued positive results with total assets reaching VND 1,751 trillion as of September 30th, 2022, up 14.3% year-to-date. Total pre-tax profit was VND 4.2 trillion in 3Q2022, increasing 35.8% year-over-year. Loan balances grew 10.1% year-to-date with a positive shift toward retail and SME segments. Non-performing loans remained under control at 1.42% while capital adequacy ratio was high at 222.4%. E-banking and digital transactions surged, demonstrating VietinBank's ongoing digital transformation efforts.
BNI reported strong financial results for FY2021 with total assets growing 14.9% YoY to Rp964.8 trillion. Loan growth was 5.3% while third party funds grew 15.5% driven by a 17.1% increase in low-cost CASA deposits. Asset quality improved with the NPL ratio declining to 3.7% and coverage ratio increasing to 233.4%. Profitability metrics also strengthened significantly with ROE rising to 10.4% from 2.9% in 2020. Excess liquidity was temporarily parked in placements with Bank Indonesia and other banks.
- The company reported strong financial results for 4Q23 and FY 2023, with net income up 81% YoY for the full year. ROE expanded to 14.7% for 2023 compared to 8.9% in 2022.
- Key drivers were increased net interest income and margins, strong fee income growth, and improved efficiency. The loan portfolio grew 11% YoY while deposits were up 38% YoY.
- Asset quality remained strong with low credit risk and robust reserve coverage of over 650%. Guidance for 2024 forecasts continued portfolio growth, margin expansion, and ROE of 14-15%.
- The bank reported strong financial performance in 3Q22, with net income increasing 17% quarter-over-quarter and 71% year-over-year, driven by record net interest income, higher fee income, and strict cost control.
- Return on equity expanded to 10.3% in 3Q22, up from 9.1% in 2Q22, due to higher profitability and more efficient capital allocation.
- The bank maintained a robust credit portfolio of $8.9 billion and healthy asset quality, with non-performing loans remaining low at 0.1% of total loans.
- The bank reported strong financial performance in 3Q22, with net income increasing 17% quarter-over-quarter and 71% year-over-year, driven by record net interest income, higher fee income, and cost control.
- Return on equity expanded to 10.3% in 3Q22, up from 9.1% in 2Q22, helped by increased profitability and efficient capital allocation.
- Net interest margin increased 23 basis points sequentially to 1.77%, reflecting higher average net lending spreads and volumes, while the commercial loan portfolio reached a record level.
CTG_Investor Business Update 2Q2021 and 6M2021ngothithungan1
VietinBank's business results in 2Q2021 & 6M2021 continued to grow steadily with business efficiency increasing more than scale. Total assets grew 9.8% year-to-date to VND 1,473 trillion. Total income increased 19.7% to VND 27,006 billion for the first half of 2021. Profitability improved with ROA reaching 1.6% and ROE reaching 19.7%. Credit exposure grew 10.5% year-to-date to VND 1,084 trillion while maintaining asset quality with the NPL ratio at 1.34%.
VietinBank's business results continued to grow positively in 9M2021. Some key highlights include:
- Total assets grew 7.9% year-to-date, while credit exposure and customer deposits increased 6.3% and 8.3% respectively.
- Profit before tax was up 34.2% year-over-year to VND 13,911 billion in 9M2021.
- Non-performing loans remained under control at 1.67% as of the end of 3Q2021, and the debt coverage ratio improved to 118.6%.
- Capital structure shifted positively with increased deposits from retail and SME customers, helping to optimize funding costs.
The bank reported strong financial results in 2Q23, with net income of $37.1 million, up 61% YoY. Return on equity was 13.4%, up from 9.1% in 2Q22. Total assets grew to $10.1 billion, up 14% YoY. Net interest margin expanded to 2.42% from 1.54% YoY due to higher interest rates. Fees also increased 52% YoY driven by growth in letters of credit. Asset quality remained strong with non-performing loans at 0.1% of total loans. The bank expects to maintain double-digit ROE and net interest margin above 2022 levels for the full year.
1) The bank reported strong financial performance in 2022, with net income up 47% year-over-year and return on equity expanding 284 basis points to 8.95%.
2) Net interest income grew 71% year-over-year as the bank optimized its balance sheet and achieved higher lending spreads.
3) Asset quality remained healthy with non-performing loans at 0.45% and allowance for credit losses covering 190% of impaired credits.
The document is an analyst presentation for SBI's Q2FY23 results. Some key highlights:
- Credit growth was strong at 19.93% YoY with growth across all segments. Net profits increased 73.93% YoY.
- Asset quality improved with net NPA falling to 0.80% and credit costs declining 15 bps YoY. Slippages were down 42.55% YoY.
- Deposits grew 9.99% with CASA deposits up 5.35% and term deposits up 12.43%. Domestic deposits grew 9.16% and foreign office deposits grew 35.65%.
VietinBank provided an investors update covering 3Q2020 and 9M2020 performance. Key highlights included:
- Vietnam's economy is forecast to grow 2-3% in 2020 despite challenges from COVID-19. Credit growth was improving in September.
- VietinBank has a strong brand, extensive domestic and international network, and support from major shareholders State Bank of Vietnam and MUFG.
- In 3Q2020 and 9M2020, VietinBank saw growth in key metrics like deposits, loans, and digital adoption despite economic headwinds.
This document provides an investor presentation on Axis Bank's annual results for FY 21-22. Some key highlights include:
- Axis Bank saw growth across various business segments such as retail loans, deposits, and credit cards. Net profits increased substantially.
- The bank has a strong capital position and improving return ratios with good asset quality.
- Several initiatives are underway to build the next generation technology architecture and drive digital transformation.
Mercer Capital's Bank Watch | December 2022 | Bank M&A 2022 - TurbulenceMercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
This document discusses financial inclusion and fintech in Bangladesh. It notes that Bangladesh has made progress in expanding access to financial services through increasing bank branches, ATMs, and accounts. Microfinance institutions have also grown, serving over 35 million clients. Mobile financial services have become widely used, processing over 15 million transactions daily worth over 30 billion Taka. The COVID-19 pandemic accelerated digital financial services adoption. Lessons include the importance of financial literacy, policy support, and digital infrastructure for promoting inclusion. Challenges remain in deepening usage of services.
CTG-Cap nhat ket qua KD quy 2.2023_EN_Final.pptxngothithungan1
Business performance in 1H2023 achieved positive results. Total assets grew 2.9% to VND 1,860 trillion driven by a 6.6% increase in loans to customers. Net profit before risk provisions was VND 25.7 trillion, up 17.4% YoY. Customer deposits increased 4.9% with a shift toward retail. Loan growth focused on retail and FDI segments. Non-interest income rose 28.8% and net interest income excluding guarantee fees grew 14.4%. NPL ratio was managed at 1.27% and debt coverage ratio was 168.9%.
Jio reported strong financial results for FY2023, with consolidated EBITDA growing 23% year-over-year to ₹154,691 crore. All business segments contributed to earnings growth, led by O2C and continued expansion of consumer businesses like retail and digital services. Jio maintained its leadership in 5G rollout in India, deploying over 125K 5G sites across more than 2,300 cities and towns. The presentation outlines Jio's strategies to drive further growth through 5G leadership, expanding digital infrastructure for homes and businesses, and growing its consumer base.
- Banco Latinoamericano de Comercio Exterior, S.A. (Bladex) held a 1Q22 earnings presentation on May 4, 2022.
- Bladex's credit portfolio reached a record high of $8.4 billion in 1Q22, driven by strong demand and higher commodity prices. However, net profits decreased 13% year-over-year and 45% quarter-over-quarter due to increased credit loss provisions associated with portfolio growth.
- Net interest income increased 36% year-over-year and 4% quarter-over-quarter due to higher loan volumes and net interest rates, though this growth was offset by higher provision expenses.
The document provides an investor presentation for Kotak Mahindra Bank for the quarter and fiscal year ended March 31, 2022. Some key highlights include:
- Net profit for Q4FY22 was Rs. 3,892 crore, up 50.7% year-over-year. For FY22, net profit was Rs. 12,089 crore, up 21.2% year-over-year.
- Return on assets for Q4FY22 was 2.94% and return on equity was 16.6%. For FY22, return on assets was 2.36% and return on equity was 13.4%.
- Total customer assets grew 21.7% year-
The document summarizes BI&P's results for the second quarter of 2014. Key highlights include:
- The expanded credit portfolio totaled R$3.9 billion, remaining stable in the quarter but up 21.4% from June 2013. Loans rated AA-B corresponded to 91% of the portfolio.
- Income from services and tariffs totaled R$15.7 million in 2Q14, up 42.3% from the previous quarter. Investment banking now accounts for 50% of this revenue.
- The quarterly result was R$1.1 million, impacted by non-cash accounting effects and investments in new business areas not yet at scale.
- Credit quality remained high,
CTG-Cap nhat ket qua KD Quy 4.2023_final_EN.pptxngothithungan1
VietinBank achieved strong financial results in FY2023, with total assets growing 12.4% and loans to customers up 15.6%. Net profit before risk provisions increased 11.8% while provision expenses grew 5.6%, resulting in an 18.8% rise in pre-tax profit. Customer deposits expanded 12.9% amid impressive CASA growth. Credit quality improved with the NPL ratio down to 1.13% and the NPL coverage ratio at 167.2%. The bank will focus on priority sectors and retail/SME lending in FY2024 while maintaining risk discipline.
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
- The bank reported strong financial performance in 3Q22, with net income increasing 17% quarter-over-quarter and 71% year-over-year, driven by record net interest income, higher fee income, and strict cost control.
- Return on equity expanded to 10.3% in 3Q22, up from 9.1% in 2Q22, due to higher profitability and more efficient capital allocation.
- The bank maintained a robust credit portfolio of $8.9 billion and healthy asset quality, with non-performing loans remaining low at 0.1% of total loans.
- The bank reported strong financial performance in 3Q22, with net income increasing 17% quarter-over-quarter and 71% year-over-year, driven by record net interest income, higher fee income, and cost control.
- Return on equity expanded to 10.3% in 3Q22, up from 9.1% in 2Q22, helped by increased profitability and efficient capital allocation.
- Net interest margin increased 23 basis points sequentially to 1.77%, reflecting higher average net lending spreads and volumes, while the commercial loan portfolio reached a record level.
CTG_Investor Business Update 2Q2021 and 6M2021ngothithungan1
VietinBank's business results in 2Q2021 & 6M2021 continued to grow steadily with business efficiency increasing more than scale. Total assets grew 9.8% year-to-date to VND 1,473 trillion. Total income increased 19.7% to VND 27,006 billion for the first half of 2021. Profitability improved with ROA reaching 1.6% and ROE reaching 19.7%. Credit exposure grew 10.5% year-to-date to VND 1,084 trillion while maintaining asset quality with the NPL ratio at 1.34%.
VietinBank's business results continued to grow positively in 9M2021. Some key highlights include:
- Total assets grew 7.9% year-to-date, while credit exposure and customer deposits increased 6.3% and 8.3% respectively.
- Profit before tax was up 34.2% year-over-year to VND 13,911 billion in 9M2021.
- Non-performing loans remained under control at 1.67% as of the end of 3Q2021, and the debt coverage ratio improved to 118.6%.
- Capital structure shifted positively with increased deposits from retail and SME customers, helping to optimize funding costs.
The bank reported strong financial results in 2Q23, with net income of $37.1 million, up 61% YoY. Return on equity was 13.4%, up from 9.1% in 2Q22. Total assets grew to $10.1 billion, up 14% YoY. Net interest margin expanded to 2.42% from 1.54% YoY due to higher interest rates. Fees also increased 52% YoY driven by growth in letters of credit. Asset quality remained strong with non-performing loans at 0.1% of total loans. The bank expects to maintain double-digit ROE and net interest margin above 2022 levels for the full year.
1) The bank reported strong financial performance in 2022, with net income up 47% year-over-year and return on equity expanding 284 basis points to 8.95%.
2) Net interest income grew 71% year-over-year as the bank optimized its balance sheet and achieved higher lending spreads.
3) Asset quality remained healthy with non-performing loans at 0.45% and allowance for credit losses covering 190% of impaired credits.
The document is an analyst presentation for SBI's Q2FY23 results. Some key highlights:
- Credit growth was strong at 19.93% YoY with growth across all segments. Net profits increased 73.93% YoY.
- Asset quality improved with net NPA falling to 0.80% and credit costs declining 15 bps YoY. Slippages were down 42.55% YoY.
- Deposits grew 9.99% with CASA deposits up 5.35% and term deposits up 12.43%. Domestic deposits grew 9.16% and foreign office deposits grew 35.65%.
VietinBank provided an investors update covering 3Q2020 and 9M2020 performance. Key highlights included:
- Vietnam's economy is forecast to grow 2-3% in 2020 despite challenges from COVID-19. Credit growth was improving in September.
- VietinBank has a strong brand, extensive domestic and international network, and support from major shareholders State Bank of Vietnam and MUFG.
- In 3Q2020 and 9M2020, VietinBank saw growth in key metrics like deposits, loans, and digital adoption despite economic headwinds.
This document provides an investor presentation on Axis Bank's annual results for FY 21-22. Some key highlights include:
- Axis Bank saw growth across various business segments such as retail loans, deposits, and credit cards. Net profits increased substantially.
- The bank has a strong capital position and improving return ratios with good asset quality.
- Several initiatives are underway to build the next generation technology architecture and drive digital transformation.
Mercer Capital's Bank Watch | December 2022 | Bank M&A 2022 - TurbulenceMercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
This document discusses financial inclusion and fintech in Bangladesh. It notes that Bangladesh has made progress in expanding access to financial services through increasing bank branches, ATMs, and accounts. Microfinance institutions have also grown, serving over 35 million clients. Mobile financial services have become widely used, processing over 15 million transactions daily worth over 30 billion Taka. The COVID-19 pandemic accelerated digital financial services adoption. Lessons include the importance of financial literacy, policy support, and digital infrastructure for promoting inclusion. Challenges remain in deepening usage of services.
CTG-Cap nhat ket qua KD quy 2.2023_EN_Final.pptxngothithungan1
Business performance in 1H2023 achieved positive results. Total assets grew 2.9% to VND 1,860 trillion driven by a 6.6% increase in loans to customers. Net profit before risk provisions was VND 25.7 trillion, up 17.4% YoY. Customer deposits increased 4.9% with a shift toward retail. Loan growth focused on retail and FDI segments. Non-interest income rose 28.8% and net interest income excluding guarantee fees grew 14.4%. NPL ratio was managed at 1.27% and debt coverage ratio was 168.9%.
Jio reported strong financial results for FY2023, with consolidated EBITDA growing 23% year-over-year to ₹154,691 crore. All business segments contributed to earnings growth, led by O2C and continued expansion of consumer businesses like retail and digital services. Jio maintained its leadership in 5G rollout in India, deploying over 125K 5G sites across more than 2,300 cities and towns. The presentation outlines Jio's strategies to drive further growth through 5G leadership, expanding digital infrastructure for homes and businesses, and growing its consumer base.
- Banco Latinoamericano de Comercio Exterior, S.A. (Bladex) held a 1Q22 earnings presentation on May 4, 2022.
- Bladex's credit portfolio reached a record high of $8.4 billion in 1Q22, driven by strong demand and higher commodity prices. However, net profits decreased 13% year-over-year and 45% quarter-over-quarter due to increased credit loss provisions associated with portfolio growth.
- Net interest income increased 36% year-over-year and 4% quarter-over-quarter due to higher loan volumes and net interest rates, though this growth was offset by higher provision expenses.
The document provides an investor presentation for Kotak Mahindra Bank for the quarter and fiscal year ended March 31, 2022. Some key highlights include:
- Net profit for Q4FY22 was Rs. 3,892 crore, up 50.7% year-over-year. For FY22, net profit was Rs. 12,089 crore, up 21.2% year-over-year.
- Return on assets for Q4FY22 was 2.94% and return on equity was 16.6%. For FY22, return on assets was 2.36% and return on equity was 13.4%.
- Total customer assets grew 21.7% year-
The document summarizes BI&P's results for the second quarter of 2014. Key highlights include:
- The expanded credit portfolio totaled R$3.9 billion, remaining stable in the quarter but up 21.4% from June 2013. Loans rated AA-B corresponded to 91% of the portfolio.
- Income from services and tariffs totaled R$15.7 million in 2Q14, up 42.3% from the previous quarter. Investment banking now accounts for 50% of this revenue.
- The quarterly result was R$1.1 million, impacted by non-cash accounting effects and investments in new business areas not yet at scale.
- Credit quality remained high,
CTG-Cap nhat ket qua KD Quy 4.2023_final_EN.pptxngothithungan1
VietinBank achieved strong financial results in FY2023, with total assets growing 12.4% and loans to customers up 15.6%. Net profit before risk provisions increased 11.8% while provision expenses grew 5.6%, resulting in an 18.8% rise in pre-tax profit. Customer deposits expanded 12.9% amid impressive CASA growth. Credit quality improved with the NPL ratio down to 1.13% and the NPL coverage ratio at 167.2%. The bank will focus on priority sectors and retail/SME lending in FY2024 while maintaining risk discipline.
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
Presentation by Herman Kienhuis (Curiosity VC) on Investing in AI for ABS Alu...Herman Kienhuis
Presentation by Herman Kienhuis (Curiosity VC) on developments in AI, the venture capital investment landscape and Curiosity VC's approach to investing, at the alumni event of Amsterdam Business School (University of Amsterdam) on June 13, 2024 in Amsterdam.
Discover the Beauty and Functionality of The Expert Remodeling Serviceobriengroupinc04
Unlock your kitchen's true potential with expert remodeling services from O'Brien Group Inc. Transform your space into a functional, modern, and luxurious haven with their experienced professionals. From layout reconfiguration to high-end upgrades, they deliver stunning results tailored to your style and needs. Visit obriengroupinc.com to elevate your kitchen's beauty and functionality today.
SATTA MATKA DPBOSS KALYAN MATKA RESULTS KALYAN CHART KALYAN MATKA MATKA RESULT KALYAN MATKA TIPS SATTA MATKA MATKA COM MATKA PANA JODI TODAY BATTA SATKA MATKA PATTI JODI NUMBER MATKA RESULTS MATKA CHART MATKA JODI SATTA COM INDIA SATTA MATKA MATKA TIPS MATKA WAPKA ALL MATKA RESULT LIVE ONLINE MATKA RESULT KALYAN MATKA RESULT DPBOSS MATKA 143 MAIN MATKA KALYAN MATKA RESULTS KALYAN CHART
During the budget session of 2024-25, the finance minister, Nirmala Sitharaman, introduced the “solar Rooftop scheme,” also known as “PM Surya Ghar Muft Bijli Yojana.” It is a subsidy offered to those who wish to put up solar panels in their homes using domestic power systems. Additionally, adopting photovoltaic technology at home allows you to lower your monthly electricity expenses. Today in this blog we will talk all about what is the PM Surya Ghar Muft Bijli Yojana. How does it work? Who is eligible for this yojana and all the other things related to this scheme?
The report *State of D2C in India: A Logistics Update* talks about the evolving dynamics of the d2C landscape with a particular focus on how brands navigate the complexities of logistics. Third Party Logistics enablers emerge indispensable partners in facilitating the growth journey of D2C brands, offering cost-effective solutions tailored to their specific needs. As D2C brands continue to expand, they encounter heightened operational complexities with logistics standing out as a significant challenge. Logistics not only represents a substantial cost component for the brands but also directly influences the customer experience. Establishing efficient logistics operations while keeping costs low is therefore a crucial objective for brands. The report highlights how 3PLs are meeting the rising demands of D2C brands, supporting their expansion both online and offline, and paving the way for sustainable, scalable growth in this fast-paced market.
Ellen Burstyn: From Detroit Dreamer to Hollywood Legend | CIO Women MagazineCIOWomenMagazine
In this article, we will dive into the extraordinary life of Ellen Burstyn, where the curtains rise on a story that's far more attractive than any script.
Adani Group's Active Interest In Increasing Its Presence in the Cement Manufa...Adani case
Time and again, the business group has taken up new business ventures, each of which has allowed it to expand its horizons further and reach new heights. Even amidst the Adani CBI Investigation, the firm has always focused on improving its cement business.
Unlocking WhatsApp Marketing with HubSpot: Integrating Messaging into Your Ma...Niswey
50 million companies worldwide leverage WhatsApp as a key marketing channel. You may have considered adding it to your marketing mix, or probably already driving impressive conversions with WhatsApp.
But wait. What happens when you fully integrate your WhatsApp campaigns with HubSpot?
That's exactly what we explored in this session.
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4. Operating environment
ECONOMIC GROWTH
20.0 19.7 22.4
28.5 31.2 27.7
FY20 FY21 FY22
FDI disbursement Registered FDI capital
FDI
• Disbursement of FDI in 2022 was around , up 13.5% YoY,
with Singapore as the biggest investor. Major FDI projects in 2022
includes: Nghi Son 2 BOT Thermal Power Plant Project (USD 2.8 bn), Lego (USD 1 bn),
Samsung Thai Nguyen (USD 920 mn), etc.
• Amid slowdown of global economic outlook and high interest rate environment, foreign
investors tend to be cautious in deploying new projects, causing registered FDI capital to
decrease during 2022.
Source: GSO
4
7.08% 7.02%
2.91% 2.58%
8.02%
FY18 FY19 FY20 FY21 FY22
GDP Growth
over years (yoy)
• Vietnam GDP grew by in 2022, the , backed by strong
domestic retail sales and exports. The growth beats government’s initial full-year target of 6%-
6.5%
Vietnam’s economy made a great comeback in 2022 after 2 year curtailed by Covid-19, becoming one of the fastest growing economies
in Asia, though stay cautious on the road ahead.
61%
16%
17% Manufacturing
Real estate
Others
EXPORT-IMPORT
283
337 372
263
333
361
FY20 FY21 FY22
Import Export
733
669
545
• Vietnam reported a trade surplus of in 2022, , nearly
than 2021.
• Export continued a positive trend, reaching in 2022,
8.02%
3.36%
7.78%
9.99%
GDP Agriculture,
forestry &
fishing
Industry &
construction
Services
Tourism & Travelling
services
271.5% YoY
Foreign visitors
23.3 times
Trade Surplus
USD 11.2 Bn
Main Export Partner
USA: USD 109.1 Bn
Main Import Partner
China: USD 119.3 Bn
Retail sales
19.8% YoY
GDP Growth
By sector (yoy)
Avg. CPI
Country
FX Rate Depreciation
(YoY)
Vietnam -3.59%
Other ASEAN countries -5% - -8%
Source: tradingeconomics.com, data at 03.01.2022
FX Rate
• The government has succeeded in keeping the CPI , which was relatively
much lower than most countries.
• Due to reasonable action of the SBV, the VND has performed
, depreciating by about 3% against the USD during 2022, amid Fed kept raising interest
rate.
CPI & EXCHANGE RATE
5. Fulfilling the 2022 “dual goal” of macroeconomic stabilization and controlling inflation
Banking Sector
13.89% 13.65%
12.17%
13.61%
14.50%
2018 2019 2020 2021 2022
CREDIT GROWTH (%)
MOBILIZATION GROWTH (%)
Source: GSO & SBV
11.30% 12.48% 12.87%
8.44%
5.99%
2018 2019 2020 2021 2022
• System’s credit growth reached 14.5% YTD in 2022, showing strong
credit demand for economic recovery. In fact, banks stepped up lending
right from the beginning of the year, causing them to quickly run out of
initial credit quotas. The SBV only granted additional credit quota in 4Q.
• Deposit mobilization growth was slow in 9M2022 due to tightened
control over money supply by the SBV, then improved to 5.99% at the
end of the year when deposit interest rates were high.
HIGHLIGHTS IN 2022
5
The SBV kept stable policy rate in the first 8 months and started increasing
policy rate in September and October by 100 bps each round amid pressure
from exchange rate depreciation and high global inflation.
Exchange rate trading band widened from 3% to 5% in October, created more
room for the SBV to control FX risk
SBV’s target for system’s credit growth was 14% in 2022, which was granted
in accordance with macro environment and prioritized for preferred sectors.
Promulgation of Decree 65 on corporate bond issuance to tighten the market.
Longer term, it’s viewed to be positive for Vietnam's economy, but near term it
has added pressure to the real estate sector.
Launching 2% interest rate support package of VND 40,000 Bn on May-22
Approval of Extension on bad debt settlement scheme under Resolution
42/2017/QH14 until the end of 2023
Accelerating digital transformation and cashless transactions; applying new
technologies in banking activities such as AI, Machine learning, Big data,…
Many banks recorded over 90% transaction via digital channels, improved
CIR
6. 6
Accomplishments in 2022
Offshore funding from
prestigious organization
• Grow customer deposit
• Optimize balance sheet
to ensure compliance
with SBV’s requirements
• Diversify funding source
• Strategic business
segments create
breakthroughs in both
scale and efficiency
• Accelerate digitalizing
products and services
Among all banks, reached
VND 103 trillion
Award in 2 consecutives
years in the field of Risk
Management by Asia Risk
• Robust capital foundation
enables the bank to
overcome the macro
uncertainties and provide
headroom for future growth
In the banking industry,
reached VND 67 trillion
CAPITAL DEVELOPMENT LIQUIDITY AND PRUDENCE GROWTH & EFFICIENCY
• Re-branded with new
manifesto
• ESG intensely incorporated
into development strategy &
long-run vision
by Brand Finance
BRANDING & ESG
One of the best capitalized
bank in the industry
Among all private join-stock
commercial banks
Of the parent bank with the
main drivers from core
customer deposits
Of the parent bank
• Ecosystem expansion in
Investment banking and
insurance business
• Accomplish comprehensive
segmentation strategy to
increase customer base
ECOSYSTEM EXPANSION
VPBankS’s chartered capital,
#1 among securities
companies
Accelerate customer base
through ecosystem
VPBank & AIA extended
exclusive partnership for life
insurance and OPES
acquisition for non-life
insurance business
Listed companies with
highest VNSI for 4
consecutives years
1st time assigning ESG score
CIS-2 (Neutral to Low)
Commit to quality growth and prudence embedded strong corporate social responsibility
Best-in-class thanks to
digitalization & automation
7. VPBank concluded its 2018 – 2022 transformation strategy with remarkable success
Vision to 2022
BECOME ONE OF THE TOP 3
MOST VALUABLE BANKS IN
VIETNAM
7
Portfolio concentration in strategic segments,
persisting in retail strategy
Market capitalization among private joint stock
bank, reached
BECOME THE MOST CONSUMER
FRIENDLY BANK THROUGH
TECHNOLOGY
Digital customers in the last 5 years
Transactions processed through digital channel,
a demonstration of end-to-end digital
engagement
16. 16
• 1st capital injection to increase VPBankS’s charter capital
to approx. VND 9 Trillion in May
• 2nd capital injection to increase VPBankS’s charter capital
to VND 15 Trillion in December
• Become the among securities firms.
• Completed the acquisition of OPES – a digital insurer to
achieve versatile insurance ecosystem
• Start cross-selling and scale up non-life insurance business
Multi-layer ecosystem set solid foundation for long term growth
In 2022, VPBank continued to expand comprehensive ecosystem to meet diversified
needs of customers and enhance customer experience.
18. 41,021
57,797
21,220
6,438
14,116
-258
22,461
3,746
6,851 *
NII NFI Net gain from
financial assets
Income from
bad debt
recorvery
Others TOI Provision
expense
OPEX PBT
Unit: Bill VND,%
18
%Y-o-Y +19.4% +58.6% +13.9% +30.5% +16.9% +31.7% +47.7%
-108% x14
…yet actively elevated conservative provision to maintain prudence toward credit quality
*Others including income from other derivatives, supporting fee from AIA renewed contract, income from disposal of other assets and
others
FY2021: 19.8%
16%*
20.3%
24.4 %
FY2021: 24.2%
27%*
3.1%
FY2021: 2.5%
2.4%*
ROE
ROA
CIR
*Normalized which exclude one-off income
19. CREDIT TO CUSTOMERS OWNER’S EQUITY
Continuous outstanding growth affirmed the bank’s position over the last 5 years
29,696
2017 2022
CUSTOMER DEPOSIT
133,551
2017 2022
TOTAL OPERATING INCOME CUSTOMER BASE
PROFIT BEFORE TAX
196,673
2017 2022
4.9
2017 2022
Unit: VND bil; %
X5
24,889
2017 2022
8,130
2017 2022
19
21. • Strong domestic consumption and recovery of tourism services
• Accelerating public investment disbursement seen as key driver
for economic growth;
• FDI is expected to keep the positive trend with big projects;
• China’s reopening will have positive impact on Vietnam’s
economy.
• Tight monetary policies & global economic slowdown;
• Inflation rate is predicted to be higher in 2023;
• Poor prospects of the real estate sector and the pressure
from corporate bond maturity;
• Concerns about the possibility of outbreaks of new Covid-19
variants and new diseases.
21
Vietnam’s economic growth prospects are expected to face tough challenges in 2023
Vietnam's economic growth is predicted to face tough challenges in
2023 due to long-lasting slowdown in global economic prospect.
However, Vietnam is expected to be the fastest growing country in
ASEAN.
In 2023, the SBV will continue applying effective and flexible operating
policies while staying watchful for economic turbulences.
Managing the monetary & fiscal policy in close coordination with
the macro-economic policies to curb inflation and maintain the
macro-economic stability;
Focusing on preserving credit room in preferred sectors while
strictly controlling credit flow to potentially risky areas;
Maintaining on balance sheet NPL ratio of Vietnam banking
system below 3% via debt collection and controlling new NPL
formation;
Promoting cashless transactions and digital transformation through
all banking services while ensuring the safety and security;
Enhancing operating policies more transparent, enabling financial
institutions to develop and apply in reality.
6,5%
Gov’s target
GDP Growth < 4,5%
Gov’s
target CPI
22. • Prioritize grow
core funding to
support business
growth
• Maintain prudence
and liquidity
management at all
times
• Promote
comprehensive
segmentation
strategy
• Enhance ecosystem
to attract and deepen
customer engagement
VPBank Business Outlook in 2023
• Foster digital
innovation and
enhance technology
capabilities
• Strengthen core
system to ensure
system stability and
enhance customer
experience
• Quality growth
• Continue to monitor
the credit portfolio
while leverage tech
capabilities for
collection
enhancement
22
23. 23
1. Cost to income ratio (CIR) OPEX / TOI
2. ROE (Consolidated) Profit after tax / Average Total Equity
6. NPL in accordance with Cir 11 Total amount of non-performing exposure / Total credit exposure per Cir 11
7. Credit cost net recovery (Provision expenses – Income from bad debt recovery) / Average Loans to customers
8. LLR on & off BS Total provision reserves for credit losses plus provision used for Write-off / (Amount of loans in group 3-5 + Write-off)
3. ROA (Consolidated) Profit after tax / Average Total Assets
10. COF Interest Expenses / Average total funding
11. Yield Interest Income / Average Earning Assets
12. NIM Net Interest Income / Average Earning Assets
Specific provision reserves for credit losses plus provision used for Write-off / (Amount of loans in group 2-5 + Write-off))
9. Specific LLR on & off BS
4. ROE (Bank Standalone) Profit after tax exclude income from subsidiaries / Average Total Equity exclude investment to subsidiaries
5. ROA (Bank Standalone) Profit after tax exclude income from subsidiaries / Average Total Assets exclude investment to subsidiaries
Definition of Indicators
24. 24
CAR Capital Adequacy Ratio
CASA Current Account Savings Account
CD Certificate of deposits
CIR Cost-to-Income Ratio
LDR Loan to deposit Ratio
LLR Loan Loss Reserve
NIM Net Interest Margin
NFI Net Fee Income
NPL Non-Performing Loan
OPEX Operating expense
RB Retail Banking
ROA Return on Asset
ROE Return on Equity
SBV State Bank of Vietnam
SME Small and Medium-Sized Enterprises
TOI Total Operating Income
YTD Year to date
YOY Year on year
Glossary
25. 25
The material in this presentation is general background information about VPBank’s activities at the date of the presentation.
It is information given in summary form and does not purport to be completed. It is not intended to be relied upon
as advice to investors or potential investors and does not take into account the investment
objectives, financial situation or needs of any particular investor. These should be considered, with or without
professional advice when deciding if an investment is appropriate. The information might be updated from time to time and it is
not our responsibility to notify about those changes (if any).
For further information, visit www.vpbank.com.vn or contact
VPBank Investor Relations
Tel: (84) 24 3928 8869 (ext. 54111)
Fax: (84) 24 928 8867
Email: ir@vpbank.com.vn
Disclaimer