From 2012 to 2014, we will analyze to see more clearly about lending to science and technology at the branch. Table 2.1: Outstanding loans at BIDV Son Tay (2012 - 2014) INDICATORS 2012 2013 2014 2013/2012 2014/2013 Balance (billion VND) Ratio weight (%) Balance (billion VND) Ratio weight (%) ...
If we consider the number of customers: - Customers are most concentrated in BBB class (23.86%) - Customers are least concentrated in class C (0.41%) - Class D customers, customers with the highest risk, account for 5.38% of a total of 39 customers. These customers include customers previously ...
44 Payment and account services to support capital mobilization. Payment services include: money transfer, salary payment, import/export payment, payment of electricity and water bills, telephone bills, purchase of train and air tickets. Account services include: automatic investment services, ...
Determine the position of the enterprise in the market. In addition, for each business line, the average indicators have different values. Currently, BIDV Hoan Kiem is generally evaluating short-term payment ability indicators greater than 1 as a safe ratio, or quick payment ability indicators ...
Using various analytical methods to more accurately reflect the financial situation of corporate customers. - Credit rating and customer classification help banks have preferential policies for customers with healthy financial status, and at the same time have risk prevention measures for customers ...
Mobilization increased over the years, ensuring capital to meet customers loan needs. 2.1.3.2. Capital use activities In the credit activities of commercial banks, credit lending is the main and most important activity, bringing a lot of profit to the bank. Therefore, BIDV Trang An always pays ...
BIDVs creditworthiness is still low, because it still has the advantage of lending to businesses (supply side). These loans have a larger loan size (tens of billions of VND or more) than loans to meet the housing needs of businesses, and the appraisal of customers and control of loan use is much ...
- Regarding lending interest rates: Interest rates are an important tool in the competitive measures of banks. Therefore, determining a reasonable interest rate is not simple. That interest rate must ensure that it covers all costs and is profitable for the bank, but it must also be lower than the ...
This has increased dramatically to 19.2% in 2014. This shift in the capital mobilization structure of Son Tay branch is consistent with the shifting trend of BIDV system. Structure by mobilized currency : In the total mobilized capital of the branch, mobilization in domestic currency (VND) accounts ...
The branchs flagship product is a companion product to attract customers with high deposit balances. BIDV-HCM promotes lending with collateral and gradually reduces lending without collateral, in order to ensure credit safety, limit the occurrence of overdue debt, bad debt. Outstanding loans with ...
