| Table II.2: Scoring Management qualifications and internal environment of B . JSC |
| | Targets | Evaluate | Initial score | Weight | Weighted Score |
| first | Judicial history of the head of the business/business owner | Good criminal record, no criminal record, no criminal record | 100 | 2% | 2 |
| 2 | Education level of the head of the business/business owner | University | 80 | 2% | 1.6 |
| 3 | Experience, executive capacity and management quality of the Owner/Board of Directors | Management experience and quality are quite good, the leadership is stable | 80 | 5% | 4 |
| 4 | Reputation and relationship of the business owner in the market, with relevant agencies | Normal relationship | 60 | 4% | 2.4 |
| 5 | Internal control environment, organizational structure of enterprises | Internal control processes are established but not regularly updated and checked. Good organizational structure | 80 | 2% | 1.6 |
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| 6 | Internal HR environment of the enterprise | Good | 80 | 3% | 2.4 |
| 7 | Business strategic vision of the enterprise | Having a vision and business strategy, but the feasibility in some cases is still limited | 60 | 2% | 1.2 |
| Total weighted score | 17.8 |
| (Source: Extracted from LienVietPostBank 's outreach data ) |
| Table II.3: Scoring External factors of B . JSC |
| | Targets | Evaluate | Initial score | Weight | Weighted Score |
| first | Industry development prospects | Relatively developed and promising | 80 | 2% | 1.6 |
| 2 | Influence from policies of the State, Government, and local authorities | Does not have its own policy or is not heavily influenced by the policy (if any) | 40 | 3% | 1.2 |
| 3 | Stability of input materials | Relatively stable or volatile but have little impact on business operations and profits | 60 | 2% | 1.2 |
| 4 | The ability of the enterprise's products to be replaced by "substitute products" according to the assessment of GMOs | Relatively difficult | 80 | first% | 0.8 |
| 5 | The ability of new businesses to enter the market (in the same industry/business field) as assessed by GE | Difficult, requiring large investment of capital and labor, high qualifications | 80 | first% | 0.8 |
| 6 | The degree of dependence of the enterprise's business activities on natural conditions | There is a dependency but the effect is not significant | 80 | first% | 0.8 |
| Total weighted score | 6.4 |
| (Source: Extracted from LienVietPostBank's outreach data) |
| Table II.4: Scoring of B Joint Stock Company's Bank Relationship |
| | Targets | Evaluate | Initial score | Weight | Weighted Score |
| first | Overdue debt situation of enterprises' current outstanding loans at credit institutions | 0% | 100 | 4% | 4 |
| 2 | Number of times of debt restructuring (including principal and interest) in the past 12 months at credit institutions | 0 times | 100 | 4% | 4 |
| 3 | Number of times of late payment of interest in the past 12 months at credit institutions | 0 times | 100 | 4% | 4 |
| 4 | Number of times of insolvency/late payment commitments (L/C, guarantee, other commitments) in the past 12 months at credit institutions | 0 times | 100 | 3% | 3 |
| 5 | Credit relationship with Lien Viet Bank (%) | 50% | 80 | 4% | 3.2 |
| 6 | Debt repayment history of enterprises with Lien Viet Bank | Always pay your debt on time | 100 | 4% | 4 |
| 7 | Using loan capital for wrong purposes when borrowing at Lien Viet Bank | Never used capital for the wrong purpose | 100 | 3% | 3 |
| 8 | The situation of providing information at the request of Lien Viet Bank in the past 12 months | Always provide complete, accurate and timely information. Actively cooperate in providing information | 100 | 2% | 2 |
| 9 | Percentage of average deposit balance (in the last 12 months) / Average outstanding balance of enterprises at Lien Viet Bank (in the last 12 months) | < 2% | 20 | 4% | 0.8 |
| ten | Average number of transactions with Lien Viet Bank | <2 | 20 | 3% | 0.6 |
| Total weighted score | 28.6 |
| (Source: Extracted from LienVietPostBank's outreach data) |
| Table II.5: Scoring Operational characteristics of B . JSC |
| | Targets | Evaluate | Initial score | Weight | Weighted Score |
| first | Position and competitiveness of enterprises in the market | Branded but commonly known, the position belongs to a stable development team. Be subject to competition but have a clear direction of development to improve its position. | 60 | 5% | 3 |
| 2 | Scope of business activities (scope of product consumption) | Only within Vietnam or the surrounding border area | 80 | 4% | 3.2 |
| 3 | Supplier relationship | Fully active and with multiple input options | 100 | 3% | 3 |
| 4 | Relationship with output partners | The output market is huge. Enterprises are not dependent on a small number of output partners, fully actively developing sales | 100 | 5% | 5 |
| 5 | Financial reporting quality | Report truthfully, completely, with audit, sent on time | 100 | 4% | 4 |
| 6 | Applying modern management model (ISO) and advanced technological processes | Do not apply | 20 | 2% | 0.4 |
| 7 | Achievements are widely recognized | Never received awards from organizations | 20 | 2% | 0.4 |
| 8 | Net cash flow trends | Downtrend (positive period net cash flows) | 60 | 4% | 2.4 |
| 9 | Source of debt repayment of enterprises according to the assessment of the CBA | A reliable source of debt repayment, the business is fully capable of paying its debts on time | 100 | 6% | 6 |
| Total weighted score | 27.4 |
| (Source: Extracted from LienVietPostBank's outreach data) |
| Table III.1: Criteria for assessing financial indicators of enterprises in the agriculture, forestry and fishery sectors according to Decision 57/2002/QD-NHNN |
| Targets | Large scale | Medium size | Small scale |
| A | REMOVE | OLD | EASY | A | REMOVE | OLD | EASY | A | REMOVE | OLD | EASY |
| Liquidity indicator | | | | | | | | | | | | |
| 1. Short-term solvency (L) | 2.1 | 1.5 | first | 0.7 | 2.3 | 1.6 | 1.2 | 0.9 | 2.5 | 2 | 1.5 | first |
| 2. Quick payment (L) | 1.1 | 0.8 | 0.6 | 0.2 | 1.3 | first | 0.7 | 0.4 | 1.5 | 1.2 | first | 0.7 |
| Performance Indicators | | | | | | | | | | | | |
| 3. Turnover of inventory (V) | 4 | 3.5 | 3 | 2 | 4.5 | 4 | 3.5 | 3 | 4 | 3 | 2.5 | 2 |
| 4. Average collection period (N) | 40 | 50 | 60 | 70 | 39 | 45 | 55 | 60 | 34 | 38 | 44 | 55 |
| 5. Asset efficiency (L) | 3.5 | 2.9 | 2.3 | 1.7 | 4.5 | 3.9 | 3.3 | 2.7 | 5.5 | 4.9 | 4.3 | 3.7 |
| Debt ratio (%) | | | | | | | | | | | | |
| 6. Liabilities/Total Assets | 39 | 48 | 59 | 70 | 30 | 40 | 52 | 60 | 30 | 35 | 45 | 55 |
| 7. Liabilities/Equities ONLY | sixty four | 92 | 143 | 233 | 42 | 66 | 108 | 185 | 42 | 53 | 81 | 122 |
| 8. Overdue debt/Total bank balance | 0 | first | 2 | 3 | 0 | first | 2 | 3 | 0 | first | 2 | 3 |
| Income target (%) | | | | | | | | | | | | |
| 9. Income before tax/Revenue | 3 | 2.5 | 2 | 1.5 | 4 | 3.5 | 3 | 2.5 | 5 | 4.5 | 4 | 3.5 |
| 10. Income before tax/Total assets | 4.5 | 4 | 3.5 | 3 | 5 | 4.5 | 4 | 3.5 | 6 | 5.5 | 5 | 4.5 |
| 11. Income before tax/Equity source only | ten | 8.5 | 7.6 | 7.5 | ten | 8 | 7.5 | 7 | ten | 9 | 8.3 | 8.4 |
| (Source: State Bank of Vietnam) |
Note:
- Enterprise has the ratio from A to the left: 5 points. After A to B: 4 points. After B to C: 3 points. After C to D: 2 points. From behind D to the right: 1 point.
- Profitability indexes in items 9, 10, 11 < 0: 0 points.
- The ratio of Liabilities/Equities in section 7 < 0: 0 points.
Completing the credit rating system of corporate customers at Lien Viet Post Commercial Joint Stock Bank - 9
