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.
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Date published: 17/11/2021