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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(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)