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Summary of Bad Debt of Commercial Banks in the Period 2015-2019


Appendix 4.3: Summary of bad debts of commercial banks in the period 2015-2019

Unit: Billion VND


COMMERCIAL BANK

2015

2016

2017

2018

2019

Total

rate (%)

Total

rate (%)

Total

rate (%)

Total

rate (%)

Total

rate (%)

A-NHTM

405.03

1.50%

275.97

0.75%

312.35

0.67%

312.70

0.50%

339.23

0.44%

I-NHTMNN

140.54

1.20%

51.92

0.37%

52.92

0.31%

47.51

0.22%

29.60

0.11%

NHNo LĐ

127.88

1.30%

34.92

0.29%

35.82

0.25%

13.26

0.12%

14.35

0.11%

NHDDT

12.66

0.80%









NH No. Nam Lam Dong Branch



17.00

0.72%

17.10

0.58%





II- Joint Stock Commercial Bank

264.50

1.70%

224.06

1.00%

259.44

0.87%

265.19

0.65%

309.63

0.61%

State-owned commercial banks

88.61

0.85%

91.83

0.63%

104.95

0.54%

76.84

0.30%

69.12

0.21%

Lam Dong Commercial Joint Stock Bank

15.63

0.80%

14.12

0.52%

28.13

0.83%

24.14

0.46%

22.03

0.30%

Bao Loc Commercial Joint Stock Bank

28.34

1.30%

31.28

1.08%

36.01

1.00%

19.88

0.47%

23.13

0.50%

Lam Dong Investment Bank

0.53

0.02%

1.36

0.04%

2.56

0.06%

11.18

0.21%

12.61

0.20%

Bao Loc Investment Bank

15.07

0.90%

13.20

0.56%

10.47

0.36%

1.49

0.04%

4.32

0.09%

Da Lat Investment Bank



13.29

1.44%

13.44

0.73%

14.57

0.52%

3.91

0.10%

Foreign Trade Bank

16.81

1.01%

18.58

0.81%

14.35

0.47%

5.59

0.14%

3.13

0.06%

State Bank

12.23

1.80%









2.











People's Commercial Joint Stock Bank

175.89

3.43%

132.23

1.68%

154.49


188.35

1.24%

240.51

1.30%

Maritime Bank



0.11

1.80%

0.01

0.05%

0.01

0.05%

0.01

0.02%

Sacombank

7.75

0.40%

9.91

0.42%

5.48

0.20%

2.85

0.08%

6.69

0.15%

Dong A Bank

8.88

3.90%

4.69

3.16%

10.20

5.96%

10.37

2.70%

16.12

6.09%

Eximbank

15.42

1.84%

8.73

0.78%

16.61

1.40%

14.92

0.86%

20.37

0.95%

South Asia Bank







0.45

0.08%

4.00

0.67%

Asia Commercial Bank

48.00

3.90%

15.00

0.93%

14.00

0.60%

22.00

0.71%

40.00

0.97%

Prosperity











Techcombank



0.08

0.05%

0.93

0.60%

2.06

1.24%

0.97

0.63%

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Summary of Bad Debt of Commercial Banks in the Period 2015-2019


Military Bank



1.89

0.23%

5.11

0.40%

21.46

0.98%

13.41

0.50%

North Asia Bank







-

0%

-

0.00%

International Bank

1.52

1.30%

1.53

0.93%

1.55

0.70%

1.51

0.42%

2.31

0.45%

HCM Development Bank





2.30

1.40%

1.44

0.28%

2.49

0.35%

SHB Bank

93.76

37.30%

89.68

8.98%

98.07

8.30%

104.26

7.67%

113.12

10.70%

Lien Viet Bank





0.08

0.05%

3.16

0.79%

9.48

2.14%

Public Bank











They







-


-


Kien Long Bank











South TN Maritime Bank



0.60

26.57%

0.15

7.50%





Mekong Bank

0.56

9.00%









Development Commercial Joint Stock Bank











TOTAL

405.03

1.50%

275.97

0.75%

312.35

0.67%

312.70

0.50%

339.23

0.41%


Appendix 4.4:

REPORT ON CREDIT OUTLOOK BY ECONOMIC SECTOR (By purpose of loan use for each loan-A00044)

December 2015


Unit: Million VND


STT


Name of economic sector


Economic sector code


Credit sales

Outstanding credit (excluding purchase and investment of corporate bonds)

Short term

Medium and long term


Total

In VND

In foreign currency

In VND

In foreign currency


Accommodation and food services


0403


896,555


302,332



550,700



896,555


9.1


Accommodation services


0403


18,295.00


84,336.00


-


239,426.00


-


284,542.00


9.2


Food service


0403


27,108.00


209,373.00


-


80,482.00


-


281,480.00


REPORT ON CREDIT OUTLOOK BY ECONOMIC SECTOR (By purpose of loan use for each loan-A00044) December 2016

Unit: Million VND


STT


Name of economic sector


Economic sector code


Credit sales

Outstanding credit (excluding purchase and investment of corporate bonds)


Interest receivable

Short term

Medium and long term


Total

In VND

In foreign currency

In VND

In foreign currency


Accommodation and food services

0403

951,890

304,337


647,553


951,890


9.1

Accommodation services

0403

190,200

60,500


129,510


190,200


9.2

Food service

0403

761,690

243,837


518,042


761,690



REPORT ON CREDIT OUTLOOK BY ECONOMIC SECTOR (By purpose of loan use for each loan-A00044) December 2017

Unit: Million VND


STT


Name of economic sector


Economic sector code


Credit sales

Outstanding credit (excluding purchase and investment of corporate bonds)


Interest receivable

Short term

Medium and long term


Total

In VND

In foreign currency

In VND

In foreign currency


Accommodation and food services


0403


1,273,939


430,152



843,787



1,273,939


1,710.00

9.1

Accommodation services

0403

254,787

86,030


168,757


254,787

672.93

9.2

Food service

0403

1,019,151

344,122


675,029


1,019,151

718.57


REPORT ON CREDIT OUTLOOK BY ECONOMIC SECTOR (By purpose of loan use for each loan-A00044) December 2018

(Unit: Million VND)


STT


Name of economic sector


Economic sector code


Credit sales

Outstanding credit (excluding purchase and investment of corporate bonds)


Interest receivable

Short term

Medium and long term


Total

In VND

In foreign currency

In VND

In foreign currency


Accommodation and food services


0403


108,122.86


481,069.76



1,058,545.38



1,539,615.14


4,885.11

9.1

Accommodation services

0403

19,934.79

120,070.97


517,823.95


637,894.92

672.93

9.2

Food service

0403

88,188.79

360,998.78


540,721.42


901,720.20

718.57


REPORT ON CREDIT OUTLOOK BY ECONOMIC SECTOR (By purpose of loan use for each loan-A00044) December 2019

Unit: Million VND


STT


Name of economic sector


Economic sector code


Credit sales

Outstanding credit (excluding purchase and investment of corporate bonds)


Interest receivable

Short term

Medium and long term


Total

In VND

In foreign currency

In VND

In foreign currency


Accommodation and food services


0403


94,806.60


520,294.76



1,122,258.61



1,642,553.37


4,249.02


9.1


Accommodation services


0403


30,903.81


106,406.15


-


472,977.35


-


579,383.50


219.05


9.2


Food service


0403


63,902.79


413,888.61


-


649,281.26


-


1,063,169.87


1094.55

APPENDIX 5: SURVEY QUESTIONNAIRE

PL 5.1: EXPERT OPINION CONSULTATION FORM ON SME IN TOURISM SECTOR IN LAM DONG


Hello Dear Sir/Madam!

My name is, I am currently a PhD student at Banking University, course 22, I am currently researching bank credit contributing to tourism development in Lam Dong. I hope you will take some time to discuss some of the survey questions below. All your information is confidential and will only serve this research. Sincerely thank you!

A/ Please answer by crossing (X) in the box corresponding to each line.

I. GENERAL INFORMATION ABOUT RESPONDENTS

1. Gender: Male Female

2. Current job position:

DirectorDeputy DirectorAccountantOther

3. Education level

Postgraduate

University/College

High School

Other

4. Work experience:

Under 2 years


From 2 to 5 years


Over 5 years


II. GENERAL INFORMATION ABOUT THE BUSINESS

1. Year of establishment:

2. Main business lines: 3. Business status:

Newly established less than 1 year, no financial report

Newly converted from a business household, no financial report yet

Has been operating for over 1 year, has at least 1 year's financial report

Has been operating stably, has financial reports and tax settlement reports

4. Number of employees paying social insurance of your company (average in 2019) is: ..

5. The total operating capital of your business in 2019 (VND) is: .....

6. Your company's total revenue in 2019 (VND) is: .....

7. The debt/equity ratio (%) of your business is: .....

+ 2019: ……………………………………%

+ 2020 plan:………………………….%

+ Plan for 2020-2025:…………………...%

8. The main assets of your business are:

Real estate

Equipment and machinery

Inventory, turnover in business

9. Your company's business strategy is:

Businesses have short-term and incidental business strategies.

Businesses have a medium-term business strategy (2-5 years)

Businesses have long-term business strategies (> 5 years)

10. Does your business have a contingency plan for risks?

+ For short-term risks: Yes No

+ For long-term risks: Yes No

III. SURVEY ON BANK ACCOUNT USE

1.Rate of revenue paid via bank (%):..... 2.Rate of expenses paid via bank (%):......

3. Does your company pay salaries through bank accounts?

YesNo

4. Does your business pay taxes through a bank account?

YesNo

III. SURVEY ON LOAN NEEDS

1. In the past 36 months, has your business had any need for loans?

Yes (if selected, continue to answer question 20)

No (if selected, continue to answer question 25)

2. What is the purpose of your business loan?

Covering temporary and short-term capital shortages

Funding for seasonal business projects

Funding for business expansion investment projects

Compensate for unexpected expenses

3. Where do businesses borrow capital from?

Bank

Friends and relatives

Trade credit

Lender

Other (specify):…………………………………………………..

4. What percentage of the business's initial capital needs does the loan cover (%)?…………………………………………………………………

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