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Research on the impact of loan portfolios on profitability of joint stock commercial banks - 16

Education and training0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.46%2.42%0.00%
Real estate consulting and business0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%8.17%14.47%0.00%
Restaurants and hotels0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Financial services0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%6.54%1.90%0.00%
Other professions0.00%0.00%0.00%0.00%61.42%45.03%36.98%0.00%48.80%33.26%0.00%
total0.00%0.00%0.00%0.00%100.0%100.0%100.0%0.00%100.0%100.0%0.00%
MHB200420052006200720082009201020112012two thousand and thirteen2014
Commerce0.00%0.00%30.72%31.83%34.83%37.86%26.55%20.00%18.95%16.00%0.00%
Agriculture and Forestry0.00%0.00%12.40%9.07%9.02%5.98%10.06%11.66%10.28%69.00%0.00%
Production and processing0.00%0.00%4.58%10.08%10.37%7.98%9.42%13.65%16.05%0.00%0.00%
Construct0.00%0.00%28.80%29.14%27.82%28.58%20.05%8.00%9.47%10.0%0.00%
Personal and community service0.00%0.00%0.00%11.48%11.15%11.19%17.79%20.61%24.24%5.00%0.00%
Warehousing, transportation and
communication		0.00%0.00%4.29%3.45%3.89%4.80%4.76%5.52%6.49%0.00%0.00%
Education and training0.00%0.00%0.00%0.10%0.15%0.12%0.66%0.00%0.00%0.00%0.00%
Real estate consulting and business0.00%0.00%0.00%0.31%1.12%1.60%2.69%0.00%0.00%0.00%0.00%
Restaurants and hotels0.00%0.00%0.00%0.49%0.60%0.85%2.55%0.00%0.00%0.00%0.00%
Financial services0.00%0.00%0.00%3.17%0.08%0.20%0.41%0.00%0.00%0.00%0.00%
Other professions0.00%0.00%19.20%0.86%0.97%0.83%5.08%20.57%14.51%0.00%0.00%
total0.00%0.00%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%0.00%
KIENLONGBANK200420052006200720082009201020112012two thousand and thirteen2014
Commerce0.00%0.00%0.00%0.00%12.60%52.31%30.69%34.69%16.76%21.57%18.48%

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Research on the impact of loan portfolios on profitability of joint stock commercial banks - 16

Agriculture and Forestry0.00%0.00%0.00%0.00%31.20%24.58%37.27%32.55%33.50%27.92%24.55%
Production and processing0.00%0.00%0.00%0.00%0.57%0.62%2.35%3.50%2.29%2.08%4.16%
Construct0.00%0.00%0.00%0.00%2.37%0.92%6.23%10.16%4.43%10.32%10.72%
Personal and community service0.00%0.00%0.00%0.00%51.89%20.81%20.81%13.55%39.52%35.53%40.24%
Warehousing, transportation and
communication		0.00%0.00%0.00%0.00%1.10%0.61%1.75%0.21%0.10%0.07%0.06%
Education and training0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Real estate consulting and business0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Restaurants and hotels0.00%0.00%0.00%0.00%0.27%0.15%0.90%5.34%3.39%2.52%1.78%
Financial services0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Other professions0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
total0.00%0.00%0.00%0.00%100.0%100.0%100.0%100.0%100.0%100.0%100.0%
PGBANK200420052006200720082009201020112012two thousand and thirteen2014
Commerce0.00%0.00%0.00%0.00%0.00%10.0%0.00%19.96%17.84%22.42%21.98%
Agriculture and Forestry0.00%0.00%0.00%0.00%0.00%1.00%0.00%12.84%10.75%13.27%13.28%
Production and processing0.00%0.00%0.00%0.00%0.00%21.00%0.00%35.16%36.35%38.65%31.80%
Construct0.00%0.00%0.00%0.00%0.00%5.00%0.00%8.64%5.88%6.36%6.44%
Personal and community service0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%2.07%
Warehousing, transportation and
communication		0.00%0.00%0.00%0.00%0.00%11.00%0.00%8.33%7.37%4.81%6.11%
Education and training0.00%0.00%0.00%0.00%0.00%1.00%0.00%0.01%0.02%0.10%0.07%
Real estate consulting and business0.00%0.00%0.00%0.00%0.00%3.00%0.00%0.00%0.00%0.00%0.00%
Restaurants and hotels0.00%0.00%0.00%0.00%0.00%2.00%0.00%0.71%0.54%0.97%0.15%
Financial services0.00%0.00%0.00%0.00%0.00%0.00%0.00%2.48%0.00%0.00%0.00%
Other professions0.00%0.00%0.00%0.00%0.00%46.00%0.00%11.88%21.24%13.42%18.08%
total0.00%0.00%0.00%0.00%0.00%100.0%0.00%100.0%100.0%100.0%100.0%
NAMAs200420052006200720082009201020112012two thousand and thirteen2014
Commerce0.00%0.00%0.00%0.00%0.00%0.00%8.59%9.41%16.53%17.24%18.44%
Agriculture and Forestry0.00%0.00%0.00%0.00%0.00%0.00%1.86%1.48%10.59%3.05%1.91%
Production and processing0.00%0.00%0.00%0.00%0.00%0.00%8.31%12.05%14.89%9.01%6.41%
Construct0.00%0.00%0.00%0.00%0.00%0.00%20.42%13.20%5.66%8.12%7.49%
Personal and community service0.00%0.00%0.00%0.00%0.00%0.00%44.70%40.84%0.00%0.00%4.13%
Warehousing, transportation and
communication		0.00%0.00%0.00%0.00%0.00%0.00%1.72%6.61%2.57%3.87%2.32%
Education and training0.00%0.00%0.00%0.00%0.00%0.00%0.15%0.00%0.00%0.00%0.94%
Real estate consulting and business0.00%0.00%0.00%0.00%0.00%0.00%7.47%3.60%26.70%39.17%29.82%
Restaurants and hotels0.00%0.00%0.00%0.00%0.00%0.00%1.95%1.26%0.00%0.00%21.88%
Financial services0.00%0.00%0.00%0.00%0.00%0.00%0.81%0.23%2.78%4.19%3.47%
Other professions0.00%0.00%0.00%0.00%0.00%0.00%4.02%11.33%20.28%15.34%3.19%
total0.00%0.00%0.00%0.00%0.00%0.00%100.0%100.0%100.0%100.0%100.0%
VIETCAPITAL200420052006200720082009201020112012two thousand and thirteen2014
Commerce0.00%0.00%0.00%16.43%19.32%0.00%12.83%14.20%0.00%0.00%0.00%
Agriculture and Forestry0.00%0.00%0.00%1.09%1.14%0.00%0.82%0.53%0.00%0.00%0.00%
Production and processing0.00%0.00%0.00%4.05%3.79%0.00%18.24%19.55%0.00%0.00%0.00%
Construct0.00%0.00%0.00%7.92%13.70%0.00%21.83%23.19%0.00%0.00%0.00%
Personal and community service0.00%0.00%0.00%69.05%59.03%0.00%0.00%0.00%0.00%0.00%0.00%
Warehousing, transportation and
communication		0.00%0.00%0.00%0.83%2.52%0.00%2.74%2.58%0.00%0.00%0.00%
Education and training0.00%0.00%0.00%0.00%0.00%0.00%0.07%0.07%0.00%0.00%0.00%
Real estate consulting and business0.00%0.00%0.00%0.28%0.02%0.00%6.51%13.97%0.00%0.00%0.00%
Restaurants and hotels0.00%0.00%0.00%0.24%0.20%0.00%1.21%0.47%0.00%0.00%0.00%
Financial services0.00%0.00%0.00%0.00%0.00%0.00%23.90%5.17%0.00%0.00%0.00%
Other professions0.00%0.00%0.00%0.11%0.28%0.00%11.85%20.27%0.00%0.00%0.00%
total0.00%0.00%0.00%100.0%100.0%0.00%100.0%100.0%0.00%0.00%0.00%
SGBANK200420052006200720082009201020112012two thousand and thirteen2014
Commerce0.00%0.00%0.00%0.00%14.40%17.71%0.00%0.00%16.53%13.88%11.13%
Agriculture and Forestry0.00%0.00%0.00%0.00%44.97%13.82%0.00%0.00%4.42%6.05%7.81%
Production and processing0.00%0.00%0.00%0.00%7.81%23.54%0.00%0.00%14.04%12.62%13.08%
Construct0.00%0.00%0.00%0.00%5.92%12.70%0.00%0.00%17.45%17.78%19.34%
Personal and community service0.00%0.00%0.00%0.00%13.44%14.59%0.00%0.00%6.23%6.01%6.60%
Warehousing, transportation and
communication		0.00%0.00%0.00%0.00%3.82%7.28%0.00%0.00%3.47%3.22%3.04%
Education and training0.00%0.00%0.00%0.00%0.06%0.42%0.00%0.00%0.39%1.13%0.65%
Real estate consulting and business0.00%0.00%0.00%0.00%0.41%0.65%0.00%0.00%3.58%4.18%2.90%
Restaurants and hotels0.00%0.00%0.00%0.00%1.25%2.14%0.00%0.00%2.18%2.30%1.79%
Financial services0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%7.73%5.79%4.83%
Other professions0.00%0.00%0.00%0.00%7.93%7.15%0.00%0.00%23.99%27.03%28.84%
total0.00%0.00%0.00%0.00%100.0%100.0%0.00%0.00%100.0%100.0%100.0%
BAOVIETBANK200420052006200720082009201020112012two thousand and thirteen2014
Commerce0.00%0.00%0.00%0.00%0.00%51.72%47.19%21.10%16.53%0.00%0.00%
Agriculture and Forestry0.00%0.00%0.00%0.00%0.00%0.72%1.34%2.87%4.42%0.00%0.00%
Production and processing0.00%0.00%0.00%0.00%0.00%7.17%1.11%3.47%14.04%0.00%0.00%
Construct0.00%0.00%0.00%0.00%0.00%9.37%23.71%19.52%17.45%0.00%0.00%
Personal and community service0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%6.23%0.00%0.00%
Warehousing, transportation and
communication		0.00%0.00%0.00%0.00%0.00%23.86%0.00%15.38%3.47%0.00%0.00%
Education and training0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.39%0.00%0.00%
Real estate consulting and business0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%3.58%0.00%0.00%
Restaurants and hotels0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%2.18%0.00%0.00%
Financial services0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%7.73%0.00%0.00%
Other professions0.00%0.00%0.00%0.00%0.00%7.15%26.65%37.66%23.99%0.00%0.00%
total0.00%0.00%0.00%0.00%0.00%100.0%100.0%100.0%100.0%0.00%0.00%

ANNEX 4: Portfolio structure by term

Unit: %

MBB200420052006200720082009201020112012two thousand and thirteen
short-term liability000.710.650.610.580.650.670.720.73
Medium-term loan000.290.250.280.280.220.20.170.14
Long-term loan0000.090.110.140.130.130.120.13
TOTAL00firstfirstfirstfirstfirstfirstfirstfirst
ACB200420052006200720082009201020112012two thousand and thirteen
short-term liability0.510.520.560.550.460.570.50.520.540.53
Medium-term loan0.350.340.280.210.210.170.230.260.190.16
Long-term loan0.150.140.160.240.330.260.270.210.270.31
TOTALfirstfirstfirstfirstfirstfirstfirstfirstfirstfirst
EIB200420052006200720082009201020112012two thousand and thirteen
short-term liability000.770.550.460.570.50.680.680.66
Medium-term loan000.120.210.210.170.230.090.110.12
Long-term loan000.110.240.330.260.270.230.210.22
TOTAL00firstfirstfirstfirstfirstfirstfirstfirst
SHB200420052006200720082009201020112012two thousand and thirteen
short-term liability000.680.640.620.590.640.630.560.52
Medium-term loan000.320.270.250.310.220.220.220.25
Long-term loan0000.090.130.110.140.150.210.23
TOTAL00firstfirstfirstfirstfirstfirstfirstfirst
SAIGONBANK200420052006200720082009201020112012two thousand and thirteen
short-term liability0000.710.660.630.650.750.750.74
Medium-term loan0000.20.190.210.20.20.10.11
Long-term loan0000.090.140.160.150.040.150.15
TOTAL000firstfirstfirstfirstfirstfirstfirst
EAST ASIA200420052006200720082009201020112012two thousand and thirteen
short-term liability000.830.760.630.670.650.630.550.58
Medium-term loan000.140.20.310.270.270.250.270.26
Long-term loan000.030.040.060.070.090.120.170.16
TOTAL00firstfirstfirstfirstfirstfirstfirstfirst
KIENLONG200420052006200720082009201020112012two thousand and thirteen
short-term liability00000.770.760.670.750.460.5
Medium-term loan00000.210.220.250.20.470.46
Long-term loan00000.020.020.090.040.070.05
TOTAL0000firstfirstfirstfirstfirstfirst

ADDENDUM 5: Proportion of interest income and non-interest income for the period 2004-2014

Unit: %

ABB200420052006200720082009201020112012two thousand and thirteen2014
Net interest income89.97%62.66%76.95%80.41%82.28%82.28%89.93%101.87%95.34%78.84%88.11%
Net profit/loss from service activities-1.72%4.24%1.33%6.47%10.49%10.49%9.93%0.59%5.59%6.79%2.48%
Net profit/loss from forex and gold trading0.93%0.20%0.60%-1.47%1.32%1.32%-0.51%-0.80%-1.69%1.56%3.36%
Net profit/loss from trading securities0.81%0.00%-3.07%-7.33%0.18%0.18%-3.04%-0.26%-0.18%-0.28%0.03%
Net profit/loss from trading investment securities9.10%0.18%24.21%13.79%3.06%3.06%2.21%-2.99%-0.19%2.36%2.84%
Net profit/loss from other activities0.92%32.72%-0.01%1.99%0.70%0.70%-0.20%0.16%0.18%9.97%2.56%
Income from capital contribution, share purchase0.00%0.00%0.00%6.15%1.97%1.97%1.69%1.43%0.95%0.76%0.61%
Total operating income100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%
Operating costs39.38%21.89%34.70%73.15%41.94%41.94%43.82%47.13%61.21%66.92%65.58%
Profit Net operating activities before expenses
Provisions for credit risk		60.62%78.11%65.30%26.85%58.06%58.06%56.18%52.87%38.79%33.08%34.42%
Provision expense for credit risk5.42%11.17%10.56%7.43%8.82%8.82%6.96%31.02%9.47%21.48%25.46%
Total profit before tax55.19%66.94%54.74%19.42%49.24%49.24%49.22%21.86%29.33%11.60%8.96%
Profit after tax39.74%48.20%38.37%14.75%37.19%37.19%36.92%16.71%22.17%8.81%6.93%
Profit after tax of shareholders of the parent bank39.74%48.20%38.37%14.75%37.19%37.19%36.92%16.71%22.17%8.81%6.93%
Basic earnings per share (VND)45.29%0.80%289174.35
%		61751.67
%		0.13%0.13%0.10%0.00%0.00%19117.03
%		0.01%

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Date published: 12/11/2021