Factors affecting credit risk in credit card business at Vietnam Joint Stock Commercial Bank for Industry and Trade - 14


Appendix 6: Vietinbank's business performance from 2009 - 2014

Total assets (billion VND)

661,132

460,420 503,530

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576,368

367,731

Factors affecting credit risk in credit card business at Vietnam Joint Stock Commercial Bank for Industry and Trade - 14

243,785

2009 2010 2011 2012 2013 2014

54,075 55,013

Equity (billion VND)


33,625

28,491

18,170

12,572


2009 2010 2011 2012 2013 2014



Outstanding loans (billion VND)

405,744

542,685

460,079

293,434

234,205

163,170

2009 2010 2011 2012 2013 2014

Mobilized capital (billion VND) 595,094

511,670

420.21 460.082

2

339,699

220,436

2009 2010 2011 2012 2013 2014



Profit before tax (billion VND)

8,392

8,168

7,751

7,302

4,638

3,373

2009 2010 2011 2012 2013 2014

Profit after tax (billion VND)

6,259 6,169

5,808

5,727

2,583

3,444

2009 2010 2011 2012 2013 2014


ROA (%)

2.03

1.54

1.50

1.70

1.40

1.20

2009 2010 2011 2012 2013 2014

ROE (%) 26.7

20.6

22.1

19.9

13.7

10.5

2009 2010 2011 2012 2013 2014

Bad debt/credit balance ratio (%)


1.35

0.82

0.90

0.61

0.66

0.75

2009 2010 2011 2012 2013 2014

Capital Adequacy Ratio CAR (%)

13.17

10.57 10.33

10.40

8.06 8.02

2009 2010 2011 2012 2013 2014

Source: Audited consolidated financial statements of Vietinbank

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