Completing the personal credit rating model at Saigon Commercial Joint Stock Bank - 12


Appendix 02



Appendix 02: Personal XHTD symbol system E & Y

Point

Sort

class

Evaluate

Rating

Risk level. Classification by decision

493/2005/QD-NHNN

100

A+

Premium

Low. Qualified debt belongs to group 1.

94

A

Excellent

Low. Qualified debt belongs to group 1.

89

A-

Very good

Low. Qualified debt belongs to group 1.

84

B+

Good

Low. Debt requiring attention belongs to group 2.

79

B

Medium

Average. Debt requiring attention belongs to group 2.

69

B-

Satisfactory

Average. Debt requiring attention belongs to group 2.

59

C+

Below average

Average. Substandard debt belongs to the group

3.

49

C

Substandard

High. Substandard debt belongs to group 3.

39

C-

Possibility not

high recovery

High. Doubtful debt belongs to group 4.

35

D

Possibility not

very high recovery

High. Debt with the potential to lose capital belongs to group 5.

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Completing the personal credit rating model at Saigon Commercial Joint Stock Bank - 12

(Source: Ernst & Young Vietnam Co., Ltd.) Appendix 03

Appendix 03: Vietcombank's personal credit score criteria

Part I: Personal information scoring criteria

1

Year old

18 – 25 years old

25 – 40 years old

40 – 60 years old

> 60 years old

5

15

20

10

2

Education level

problem

Above university

University/College

High School

Below high school

20

15

5

-5

3

Job

Expertise

Secretary

Business

Retirement

25

15

5

0

4

Time

collaborate

< 6 months

6 months – 1 year

1 – 5 years

> 5 years

5

10

15

20

5

Time

work

< 6 months

6 months – 1 year

1 – 5 years

> 5 years

5

10

15

20




current affairs





6

Status

resident

Owner/Self-purchased

Rent

With family

Other

30

12

5

0

7

Family structure

Nuclear

Living with parents

Living with 1

other family

Living with > 1 family

family

20

5

0

-5

8

Number of people eating

according to

Single

< 3 people

3 – 5 people

> 5 people

0

10

5

-5

9

Personal income/year

> 120 million

copper

36 – 120 million

copper

12 – 36 million

copper

< 12 million VND

40

30

15

-5

10

Family income/year

> 240 million

copper

72 – 240 million

copper

24 – 72 million

copper

< 24 million VND

40

30

15

-5

Part II: Criteria for scoring banking relationships

1

Debt repayment status with the bank

row

Not traded yet

Never too

limit

Overdue < 30

day

Overdue > 30

day

0

40

10

-5

2

Late interest payment situation

Not traded yet

Never late on interest payments

No late interest payments in 2 years

recent years

There has been a delay in interest in the last 2 years.

This

0

40

20

-5

3

Total current debt

< 100 million

copper

100 – 500 million

copper

500 – 1000

million dong

> 1 billion VND

25

10

5

-5

4

Services used

Send only

save

Use card only

Save

and card

Are not

15

5

25

-5

5

Savings deposit balance

last year

> 500 million

copper

100 – 500 million

copper

20 – 100 million

copper

< 20 million VND

40

25

10

0

(Source: Joint Stock Commercial Bank for Foreign Trade of Vietnam) Appendix 04

Appendix 04: Vietcombank's personal credit rating symbol system

Point

Sort

type

Risk level

round


>= 400

A+

Short

Maximum credit limit

351 – 400

A

Maximum credit limit

301 – 350

A-

Maximum credit limit



251 – 300

B+


Credit granting under the guarantee scheme

201 – 250

B

Medium

Credit may be granted subject to performance review.

loan options and loan guarantees

151 – 200

B-

Focus on debt collection

101 – 150

C+

Credit denial

51 – 100

C-

High

Credit denial

01 – 50

C

< 0

D

(Source: Joint Stock Commercial Bank for Foreign Trade of Vietnam) Appendix 05

Appendix 05: BIDV's individual scoring criteria

Target

Initial point

Weight

100

75

50

25

0


Part I: Personal information

1

Year old

36 – 55 years old

26 – 35 years old

56 – 60 years old

20 – 25 years old

> 60 years old or

18 – 20 years old

10%

2

Education level

problem

Above university

University

College

High School

Below high school

10%

3

Criminal record, money

the

Are not




Have

10%

4

Status

resident

Owner

Shared house

resident

With family

Rent

Other

10%

5

Number of people eating

according to

< 3 people

3 people

4 people

5 people

Over 5 people

10%


6

Family structure


Nuclear

Living with parents

Living with family

other


Other



10%

7

Insurance

human life

> 100 million

50 – 100

million

30 – 50 million

< 30 million


10%


8

Nature

current job

Management, operation

Expertise

Labor

vocational training

Seasonal labor


Unemployment


10%


9

Working time

current affairs


> 7 years


5 – 7 years


3 – 5 years


1 – 3 years


< 1 year


10%

10

Occupational risk

career

Short


Medium


High

10%

Part II: Relationship with banks

1

Stable income

> 10 million

5 – 10 million

3 – 5 million

1 – 3 million

< 1 million VND

30%




order

month

copper

copper

copper

copper




2

Payable/Receivable Ratio

enter


< 30%


30 – 45%


45 – 60%


60 – 75%


> 75%


30%


3


Principal and interest repayment status


Always pay on time

Debt has been extended, currently paying well

Past due/New customer

Overdue debt, poor ability to repay

determine


Currently have overdue debt


25%


4

Services used

Deposits and

other services


Use only for payment



Do not use


15%

(Source: Bank for Investment and Development of Vietnam)


Appendix 06



Appendix 06: BIDV's personal credit card symbol system

Point

Rating

Rating

95 – 100

AAA


Low risk

90 – 94

AA

85 – 89

A

80 – 84

BBB


Medium risk

70 – 79

BB

60 – 69

B

50 – 59

CCC


High risk

40 – 49

CC

35 – 39

C

< 35

D

(Source: Bank for Investment and Development of Vietnam) Appendix 07

Appendix 07: BIDV's collateral scoring criteria

Target

Point

100

75

50

25

0

1

Asset Type

ensure

Account

deposit,

Documents available

price by organization

Motionless

Property (Housing)

Motionless

product

Do not have

Collateral





valuable papers issued by the Government or BIDV

release

issuer (except shares)


(Not residential), real estate, stocks

vote

tell

2

Asset value

collateral/Total debt

> 200%

150 – 200%

100 – 150%

70 – 100%

< 70%

3

Collateral depreciation risk in 2 years

recently

0% or increasing trend

1 – 10%

10 – 30%

30 – 50%

> 50%

(Source: Bank for Investment and Development of Vietnam)


Appendix 08



Appendix 08: Matrix combining the results of XHTD with the results of collateral assessment

BIDV guarantee

TSDB Evaluation

XHTD

A

B

C

AAA


Excellent


Good


Medium

AA

A

BBB


Good


Medium

Medium

/

Refuse

BB

B

CCC

Medium

/

Refuse


Refuse

CC

C

D

(Source: Bank for Investment and Development of Vietnam) Appendix 09



Appendix 09: BIDV's collateral assessment symbol system

Point

Rating level

Collateral valuation

tell

225 – 300

A

Strong

75 – 224

B

Medium

< 75

C

Short

(Source: Bank for Investment and Development of Vietnam) Appendix 10

Appendix 10: Vietinbank's personal credit score criteria

Part I: Personal information scoring criteria


1

Current work hours

in

< 6 months

6 months – 1

year

1 – 5 years

> 5 years

5

10

15

20


2


Housing status

Private property

Rent

With family

family

Other

30

12

5

10


3


Family structure


Nuclear

Living with parents

Living with another family

Live with a family

family

20

5

0

-5

4

Number of women

belong

Single

< 3 people

3 – 5 people

> 5 people

0

10

5

-5


5

Annual personal income

> 120 million

copper

36 – 120 million

copper

12 – 36 million

copper

< 12 million

copper

40

30

15

-5


6

Annual household income

> 240 million

copper

72 – 240 million

copper

24 – 72 million

copper

< 24 million

copper

40

30

15

-5

Part II: Relationship with banks




1


Principal repayment status

New Customer

Never expired

Overdue time < 30 days

Overdue time >

30 days

0

40

10

-5


2


Interest payment status


New Customer


Never late


Never late in payment in the last 2 years

There has been a delay in payment in the last 2 years

This

0

40

20

-5


3


Total outstanding debt

< 100 million

copper

100 – 500 million

copper

500 million dong

– 1 billion VND

> 1 billion VND

0

40

10

-5


4

Other services

Send only

save

Use only

card

Save and

card

Do not use

use

15

5

25

-5


5

Savings deposit balance

> 500 million

copper

100 – 500 million

copper

20 – 100 million

copper

< 20 million

Dong

40

25

10

0

(Source: Vietnam Joint Stock Commercial Bank for Industry and Trade) Appendix 11

Appendix 11: Vietinbank's personal credit card symbol system

Point

Rating

Rating

>= 401

Aa+


Low risk

351 – 400

Aa

301 – 350

Aa-

251 – 300

Bb+

201 – 250

Bb

Medium risk



151 – 200

Bb-


101 – 150

Cc+

51 – 100

Cc


High risk

0 – 50

Cc-

< 0

C

(Source: Vietnam Joint Stock Commercial Bank for Industry and Trade)