Table 2.4: Loan sales situation of Military Commercial Joint Stock Bank - Hue branch in the period 2017 - 2019
Unit: million VND
Target
2017 | 2018 | 2019 | Difference | |||||||
2018/2017 | 2019/2018 | |||||||||
Value | % | Value | % | Value | % | Value | % | Value | % | |
Proportion of KHCN loan turnover | ||||||||||
Total loan turnover | 300,418.5 | 100 | 415,966.2 | 100 | 556,465.6 | 100 | 115,547.7 | 38.46 | 140,499.5 | 33.78 |
KHCN loan turnover | 68,859.4 | 22.92 | 111,013.1 | 26.69 | 131,158.0 | 23.57 | 42,153.6 | 61.22 | 20,144.9 | 18.15 |
DSCV KHCN By loan term | ||||||||||
Short term | 29,664.6 | 43.08 | 49,411.9 | 44.51 | 60,135.9 | 45.85 | 19,747.3 | 66.57 | 10,724.0 | 21.70 |
Medium, long term | 39,194.8 | 56.92 | 61,601.1 | 55.49 | 71,022.0 | 54.15 | 22,406.4 | 57.17 | 9,420.9 | 15.29 |
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(Source: Military Commercial Joint Stock Bank - Hue branch)
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2.2.3.2.Status of outstanding loans for science and technology at Military Commercial Joint Stock Bank - Hue Branch
In addition to indicators such as sales and profits, outstanding loan indicators are also quite important in evaluating the bank's business performance, especially evaluating the fluctuations in the bank's total outstanding loans.
Based on the data in Table 4, we can see that the total outstanding loans increased steadily. In 2017, the total outstanding loans were 476,854.7 million VND; in 2018, it increased to 715,702.3 million VND, an increase of 238,847.6 million VND (equivalent to 33.37%) compared to 2017; in 2019, it continued to increase by 980,556.2 million VND, an increase of 264,853.9 million VND (equivalent to 27.01%) compared to 2019. The total DNCV increased, thus proving that the credit scale of the branch is increasingly expanding. Credit activities between the branch and customers are increasingly good and expanding to many other subjects.
Total outstanding debt of science and technology also tends to increase every year. In 2017, the total outstanding debt of science and technology was 131,182.7 million VND, by 2018 it reached 178,710.9 million VND, an increase of 47,828.2 million VND, or an increase of 36.23%. And in 2019, it increased by 46.06% compared to 2018, reaching a total outstanding debt of science and technology of 261,024.1 million VND. These figures reflect credit quality right from the step of evaluating customers, assessing debt repayment methods, ensuring the ability to pay on time to the bank.
Outstanding debt of science and technology according to loan term
The short-term outstanding debt of science and technology increased in each period. In 2018, the short-term outstanding debt was 81,384.9 million VND, an increase of 20,293.1 million VND compared to 2017. In 2019, it increased by 34.16% compared to the previous year, reaching 109,186.4 million VND. This growth contributed to the increase in total outstanding loans, mainly due to the temporary shortage of capital for stockpiling goods, expanding production and business, or the shortage in covering living expenses and serving daily needs.
Unit: Million VND
Chart 2.3: Outstanding loan situation for science and technology at Military Commercial Joint Stock Bank - Hue branch in 2017 - 2019
The outstanding balance of medium and long-term science and technology loans also increased. Specifically, in 2017, this item was VND 70,090.9 million; in 2018 it was VND 97,325.9 million, an increase of VND 27,235.0 million, equivalent to an increase of 27.98% compared to 2017; in 2019 it was VND 151,837.7 million, an increase of VND 36,240.1 million, equivalent to 27.13% compared to 2018.
Table 2.5: Outstanding loan situation of Military Commercial Joint Stock Bank - Hue branch in the period 2017 - 2019
Unit: Million VND
Target
2017 | 2018 | 2019 | Difference | |||||||
2018/2017 | 2019/2018 | |||||||||
GT | % | GT | % | GT | % | GT | % | GT | % | |
Proportion of outstanding debt of science and technology | ||||||||||
Total DNCV | 476,854.7 | 100 | 715,702.3 | 100 | 980,556.2 | 100 | 238,847.6 | 33.37 | 264,853.9 | 27.01 |
Total outstanding debt of science and technology | 131,182.7 | 27.51 | 178,710.9 | 24.97 | 261,024.1 | 26.62 | 47,528.1 | 26.59 | 82,313.2 | 31.53 |
Outstanding loans of KHCN by loan term | ||||||||||
Total outstanding debt of science and technology | 131,182.7 | 100 | 178,710.9 | 100 | 261,024.1 | 100 | 47,528.1 | 26.59 | 82,313.2 | 31.53 |
Short term | 61,091.8 | 46.57 | 81,384.9 | 45.54 | 109,186.4 | 48.83 | 20,293.1 | 24.93 | 46,073.1 | 36.15 |
Medium term, long term | 70,090.9 | 53.43 | 97,325.9 | 54.46 | 151,837.7 | 51.17 | 27,235.0 | 27.98 | 36,240.1 | 27.13 |
Outstanding loans by loan purpose | ||||||||||
I. Production and business | 51,554.8 | 39.30 | 73,468.0 | 41.11 | 107,959.6 | 41.36 | 21,913.2 | 29.83 | 34,491.5 | 31.95 |
II. Serving life | 79,627.9 | 60.70 | 105,242.8 | 58.89 | 153,064.5 | 58.64 | 25,614.9 | 24.34 | 47,821.7 | 31.24 |
Consumption | 30,378.0 | 23.16 | 41,739.3 | 23.36 | 61,822.8 | 23.68 | 11,361.3 | 27.22 | 20,083.4 | 32.49 |
Buy, build, repair house | 27,057.6 | 20.63 | 33,919.8 | 18.98 | 48,092.9 | 18.42 | 6,862.2 | 20.23 | 14,173.1 | 29.47 |
Buy a car | 20,098.1 | 15.32 | 27,468.4 | 15.37 | 40,669.2 | 15.58 | 7,370.3 | 26.83 | 13,200.9 | 32.46 |
Study abroad/travel | 2,094.2 | 1.60 | 2,115.4 | 1.18 | 2,479.6 | 0.95 | 21.2 | 1.00 | 364.3 | 14.69 |
(Source: Military Commercial Joint Stock Bank - Hue branch)
58
Outstanding loans by loan purpose:
Outstanding loans for production and business of science and technology enterprises are increasing in the period 2017 - 2019. Specifically, in 2017, outstanding loans for production and business of science and technology enterprises were 51,554.8 million VND; in 2018, it increased to 73,468.0 million VND, an increase of 21,913.2 million VND, equivalent to 29.83%; in 2019, it continued to increase to 107,959.6 million VND, an increase of 34,491.5 million VND. This growth shows that MBBank Hue is increasingly attracting a large number of customers, the bank's reputation is increasingly enhanced. In addition, it also shows that the bank is aiming at science and technology enterprises because although the amount of loans from science and technology enterprises is small, a large number will bring great profits. Most of the businesses that borrow capital are small businesses, selling goods at markets or shopping malls... they need capital to circulate goods, their transactions with banks are many times a year. This is the reason that contributes to the growth of revenue as well as profits of the bank in the period 2017 - 2019.
In general, the outstanding debt of science and technology for the purpose of serving life has also increased over the years, but the proportion has decreased. In 2017, this outstanding debt was 79,627.9 million VND (accounting for 60.7%); in 2018, it was 105,242.8 million VND (accounting for 58.89%), an increase of 24.34% compared to 2017; in 2019, it was 153,064.5 million VND (accounting for 58.64%), an increase of 31.24% compared to 2018. The decrease in the proportion of outstanding debt of science and technology for the purpose of serving life is due to the decrease in the indicators of buying, building, repairing houses, studying abroad/traveling, while the proportion of buying cars has increased. The number of customers borrowing money to buy cars is increasing because banks have many preferential policies for this item and banks have links with showrooms to find customers, so the car quota is increasing rapidly.
2.2.3.3 Situation of debt collection turnover from individual customers in the period 2017 - 2019
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Table 2.6: Debt collection situation of KHCN at Military Commercial Joint Stock Bank - Hue Branch in the period of 2017 - 2019
Unit: Million VND
Target
2017 | 2018 | 2019 | Difference | |||||||
2018/2017 | 2019/2018 | |||||||||
GT | % | GT | % | GT | % | GT | % | GT | % | |
Proportion of science and technology DSTN | ||||||||||
Total DSTN | 261,411.7 | 100 | 498,916.1 | 100 | 561,564.5 | 100 | 237,504.3 | 90.85 | 62,648.5 | 12.56 |
Total DSTN KHCN | 61,843.8 | 23.66 | 104,043.3 | 20.85 | 140,035.5 | 24.94 | 42,199.5 | 68.24 | 35,992.2 | 34.59 |
DSTN KHCN By loan term | ||||||||||
Total DSTN KHCN | 61,843.8 | 100 | 104,043.3 | 100 | 140,035.5 | 100 | 42,199.5 | 68.24 | 35,992.2 | 34.59 |
Short term | 24,465.4 | 39.56 | 48,837.9 | 46.94 | 57,596.6 | 41.13 | 24,372.5 | 99.62 | 8,758.7 | 17.93 |
Medium, long term | 37,378.4 | 60.44 | 55,205.4 | 53.06 | 82,438.9 | 58.87 | 17,827.0 | 47.69 | 27,233.5 | 49.33 |
(Source: Military Commercial Joint Stock Bank - Hue Branch)
60
Based on the data in Table 2.6, we can see that the total debt collection turnover of the Military Commercial Joint Stock Bank - Hue Branch increased sharply, especially in 2018. In 2017, the total debt collection turnover reached 241,411.7 million VND, of which the science and technology debt collection turnover was 61,843.8 million VND, accounting for 23.66% of the total debt collection turnover. In 2018, it increased to 498,916.1 million VND, an increase of 237,504.3 million VND, equivalent to an increase of 90.85% compared to 2017, showing that the bank's debt collection was highly effective, and part of the old debt was also recovered. Along with that, in 2018, the DSTN KHCN reached 104,043.3 million VND, an increase in both absolute and relative value, an increase of 42,199.5 million VND, equivalent to an increase of 68.24% compared to 2017. By 2019, the bank's debt collection situation continued to be promoted, with loan collection revenue reaching 561,564.5 million VND, and the DSTN KHCN was 140,035.5 million VND, an increase of 35,992.2 million VND, an increase of 34.58% compared to 2018.
Debt collection turnover has increased over the years, firstly because MBBank has effectively applied debt collection policies for customers such as closely monitoring risky debts, focusing on resolving overdue debts. Secondly, it is because customers are reputable and responsible for their debts. Thirdly, it is due to meticulousness in assessing customer profiles, limiting lending to customers with potential risks.
Debt collection turnover by loan term:
In general, short-term, medium- and long-term science and technology investment has increased over the years, but the proportion in total medium- and long-term science and technology investment is larger (over 50%).
Short-term loan term, DSTN KHCN in 2017 was 24,465.4 million VND; in 2018 compared to 2017, it increased by 99.62%, this is the reason why total debt collection in 2018 increased rapidly. In 2019 compared to 2018, it increased by 17.93%.
As for medium and long-term loans, in 2017, the DSTN KHCN was 37,378.4 million VND. In 2018, this number increased to 55,205.4 million VND, an increase of 47.69% compared to 2017. In 2019, it continued to increase to 82,438.9 million VND, an increase of 49.33% compared to 2018.
In the past three years, in addition to strengthening lending activities, debt collection has also been of concern. The evidence is the situation of loan collection in general.
In general, science and technology lending in particular has had clear and positive changes.
more. This is also proof of the effectiveness of science and technology lending.
2.2.3.4. Bad debt ratio in personal credit period 2017 - 2019
In addition to sales and profits from KHCN loans, to evaluate the effectiveness of KHCN lending activities, we must also consider the bad debt ratio.
Table 2.7: Personal credit bad debt ratio at Military Commercial Joint Stock Bank - Hue Branch in the period 2017 - 2019
Unit: Million VND
Target
Year 2017 | Year 2018 | Year 2019 | 2018/2017 | 2019/2018 | |
Total bad debt | 4,949.6 | 3,481.4 | 2,271.2 | -1,468.2 | -1,210.2 |
Bad debt of science and technology group (a) | 2,592.1 | 1,675.2 | 1,036.6 | -916.9 | -638.7 |
Bad debt ratio of KHCN group (%) | 52.37% | 48.12% | 45.64% | -4.3% | -2.5% |
Outstanding debt of the KHCN group (b) | 131,182.7 | 178,710.9 | 261,024.1 | 47,528.2 | 82,313.2 |
Bad debt ratio of science and technology (%) (a/b*100%) | 1.98% | 0.94% | 0.40% | -1.04% | -0.54% |
(Source: Military Commercial Joint Stock Bank - Hue Branch)
Through Table 7, it can be seen that the bad debt ratio of the KHCN group always accounts for the highest ratio in total bad debt and is on a downward trend. This ratio in the three years 2017
– 2019 were 52.37%; 48.12%; 45.64% respectively. The reason for the decrease in the bad debt ratio of the KHCN group is due to reputable customers, banks focusing on debt collection and credit staff being more flexible in debt collection.