Research on the impact of loan portfolios on profitability of joint stock commercial banks - 18

LIENVIET200420052006200720082009201020112012two thousand and thirteen2014
Net interest income0.00%0.00%0.00%0.00%73.54%95.50%105.25%97.94%106.17%106.16%108.42%
Net profit/loss from service activities0.00%0.00%0.00%0.00%0.02%1.99%5.36%-1.93%-6.24%-8.59%-14.50%
Net profit/loss from forex and
gold trading
0.00%0.00%0.00%0.00%0.19%-0.74%-6.66%4.92%1.37%0.34%0.30%
Net profit/loss from trading securities0.00%0.00%0.00%0.00%-1.28%0.54%-5.18%0.00%0.00%-0.01%-0.01%
Net profit/loss from trading investment securities0.00%0.00%0.00%0.00%17.94%0.00%0.00%-1.10%-0.62%-0.44%11.72%
Net profit/loss from other activities0.00%0.00%0.00%0.00%9.59%0.32%0.58%0.17%-0.69%2.54%-5.92%
Income from capital contribution, share purchase0.00%0.00%0.00%0.00%0.00%2.40%0.64%0.00%0.00%0.00%0.00%
Total operating income0.00%0.00%0.00%0.00%100.0%100.0%100.0%100.0%100.0%100.0%100.0%
Operating costs0.00%0.00%0.00%0.00%25.18%46.37%38.35%44.72%44.85%55.69%63.94%
Profits net from
income before provision for credit losses room
0.00%0.00%0.00%0.00%74.82%53.63%61.65%55.28%55.15%44.31%36.06%
Provision expense for credit risk0.00%0.00%0.00%0.00%0.84%6.87%7.09%3.58%13.28%13.25%10.73%
Total profit before tax0.00%0.00%0.00%0.00%73.98%46.75%54.56%51.70%41.87%31.06%25.33%
Profit after tax0.00%0.00%0.00%0.00%73.98%35.66%41.23%46.50%37.56%26.47%22.08%
Profit after tax of shareholders of the parent bank0.00%0.00%0.00%0.00%73.98%35.66%41.23%46.50%37.56%26.47%22.08%
Basic earnings per share (VND)0.00%0.00%0.00%0.00%0.22%0.36%0.27%0.08%0.06%0.00%0.03%
MBB200420052006200720082009201020112012two thousand and thirteen2014
Net interest income81.73%79.97%76.60%74.39%102.73%69.27%86.08%101.46%84.50%79.95%78.73%
Net profit/loss from service activities9.46%7.37%14.59%22.52%13.83%14.35%14.40%12.49%9.38%9.64%11.44%

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Research on the impact of loan portfolios on profitability of joint stock commercial banks - 18

Net profit/loss from forex and gold trading3.25%1.05%1.27%2.48%7.33%-2.74%0.03%-1.66%0.05%1.30%1.08%
Net profit/loss from trading securities0.00%0.00%6.60%9.76%-12.13 %8.06%-0.11%0.00%-0.86%0.00%0.00%
Net profit/loss from trading investment securities0.47%1.55%1.08%0.00%-18.20%0.00%3.02%-14.93%0.00%0.14%3.69%
Net profit/loss from other activities5.09%10.05%-0.14%-13.18%2.46%6.67%-5.66%1.10%6.06%8.03%4.11%
Income from capital contribution, share purchase0.00%0.00%0.00%4.04%3.98%4.40%2.23%1.54%0.87%0.95%0.95%
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 costs28.21%24.97%0.00%18.54%21.71%29.55%30.67%36.54%34.51%35.85%37.49%
Net operating profit before provision for credit losses71.79%75.03%100.0%81.46%78.29%70.45%69.33%63.46%65.49%64.15%62.51%
Provision expense for credit risk11.93%25.49%47.87%9.93%16.04 %13.73%13.36%12.46%25.94%24.70%24.30%
Total profit before tax59.85%49.54%52.13%71.53%62.25%56.72%55.97%51.01%39.54%39.44%38.21%
Profit after tax43.37%36.35%42.35%57.86%50.34%44.23%42.69%37.21%29.69%29.84%30.13%
Profit after tax of shareholders of the parent bank43.37%36.35%42.35%57.75%50.86%41.26%41.88%41.32%29.51%29.71%29.81%
Basic earnings per share (VND)0.00%0.00%0.71%0.00%0.00%0.11%0.07%0.06%0.03%0.03%0.03%
MDB200420052006200720082009201020112012two thousand and thirteen2014
Net interest income0.00%185.55%100.75%99.63%106.93%96.15%98.80%102.70%101.86%108.95%113.75%
Net profit/loss from service activities0.00%-85.55%0.15%0.36%1.01%0.35%0.49%-1.89%-1.84%-3.43%-5.80%
Net profit/loss from forex and gold trading0.00%0.00%0.00%0.00%0.00%0.00%0.00%-0.03%-0.01%0.21%0.21%
Net profit/loss from trading securities0.00%0.00%0.00%0.46%-9.26%0.49%0.00%0.00%0.00%0.00%0.00%
Net profit/loss from trading investment securities0.00%0.00%0.00%0.00%0.00%0.00%-0.98%-0.10%0.14%-0.39%-8.47%
Net profit/loss from other activities0.00%0.00%-1.10%-0.51%-0.89%2.11%1.32%-0.71%-0.47%-5.38%-2.91%
Income from capital contribution, share purchase0.00%0.00%0.20%0.06%2.21%0.91%0.38%0.04%0.32%0.04%3.22%
Total operating income0.00%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%
Operating costs0.00%0.00%37.73%17.56%24.14%26.04%25.63%34.70%61.65%78.52%70.09%
Net operating profit before provision for credit losses0.00%100.0%62.27%82.44%75.86%73.96%74.37%65.30%38.35%21.48%29.91%
Provision expense for credit risk0.00%0.00%4.14%5.20%3.24%6.66%1.08%1.58%17.14%2.11%4.22%
Total profit before tax0.00%100.0%58.12%77.24%72.62%67.30%73.30%63.72%21.21%19.37%25.69%
Profit after tax0.00%100.0%42.11%55.83%54.49%55.63%56.25%48.49%16.60%11.19%20.73%
Profit after tax of shareholders of the parent bank0.00%100.0%42.11%55.83%54.49%55.63%56.25%48.49%16.60%11.19%20.73%
Basic earnings per share (VND)0.00%0.00%1383.45%146.07%0.11%0.75%0.50%0.13%0.04%0.03%0.06%
MHB200420052006200720082009201020112012two thousand and thirteen2014
Net interest income86.71%85.07%46.51%91.95%78.91%81.31%92.25%92.09%97.98%93.51%100.16 %
Net profit/loss from service activities-0.02%-0.02%0.53%1.55%1.27%5.71%3.92%0.12%-0.97%-0.20%2.87%
Net profit/loss from forex and gold trading0.45%-0.03%0.44%2.70%5.87%1.31%-2.27%1.44%0.28%0.27%1.11%
Net profit/loss from trading securities10.90%14.67%51.72%1.22%9.32%-1.81%0.00%0.00%0.00%0.00%1.58%
Net profit/loss from trading investment securities0.00%0.00%0.00%1.60%0.00%5.11%0.00%1.94%0.75%0.00%-11.10%
Net profit/loss from other activities1.96%0.30%0.80%0.98%3.91%8.36%6.09%4.39%1.96%6.42%5.38%
Income from capital contribution, share purchase0.00%0.00%0.00%0.00%0.72%0.01%0.01%0.02%0.00%0.00%0.00%
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 costs74.21%69.52%64.85%64.58%88.77%77.88%77.17%83.42%79.46%72.74%80.69%
Net operating profit before
provision for credit losses
25.79%30.48%35.15%35.42%11.23%22.12%22.83%16.58%20.54%27.26%19.31%
Provision expense for credit risk7.84%9.46%11.57%5.25%-0.46%12.82%11.93%6.44%0.00%17.52%7.39%
Total profit before tax17.95%21.02%23.58%30.17%11.68%9.29%10.90%10.14%20.54%9.74%11.92%
Profit after tax14.52%15.14%16.98%21.73%9.46%7.10%7.98%7.47%20.54%7.25%9.38%
Profit after tax of shareholders of the parent bank14.52%15.14%16.98%21.37%9.46%6.79%7.98%7.47%20.54%7.25%9.31%
Basic earnings per share (VND)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.02%0.03%
MSB200420052006200720082009201020112012two thousand and thirteen2014
Net interest income0.00%100.0%100.0%81.16%90.46%76.32%74.41%64.56%76.73%66.81%50.21%
Net profit/loss from service activities0.00%0.00%0.00%9.43%7.39%7.33%8.02%14.25%1.51%1.17%2.39%
Net profit/loss from forex and gold trading0.00%0.00%0.00%1.60%1.29%5.24%-4.15%1.74%3.36%3.58%-0.66%
Net profit/loss from trading securities0.00%0.00%0.00%0.11%-1.09%-0.46%-0.48%-1.45%0.05%-3.39%0.42%
Net profit/loss from trading investment securities0.00%0.00%0.00%0.00%0.00%3.84%15.09%-1.21%3.76%28.03%25.50%
Net profit/loss from other activities0.00%0.00%0.00%7.58%1.08%5.20%4.27%17.08%9.34%-1.59%18.23%
Income from capital contribution, share purchase0.00%0.00%0.00%0.12%0.87%2.54%2.83%5.04%5.24%5.40%3.90%
Total operating income0.00%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%
Operating costs0.00%0.00%0.00%31.70%36.32%30.39%35.82%52.06%70.83%69.91%62.15%
Net operating profit before provision for credit losses0.00%100.0%100.0%68.30%63.68%69.61%64.18%47.94%29.17%30.09%37.85%
Provision expense for credit risk0.00%0.00%0.00%13.31%9.25%9.59%5.34%4.97%19.42%13.48%30.92%
Total profit before tax0.00%100.0%100.0%54.99%54.43%60.01%58.84%42.97%9.75%16.60%6.93%
Profit after tax0.00%72.42%72.25%39.62%39.44%46.14%44.85%33.05%8.64%13.65%6.11%
Profit after tax of shareholders of the parent bank0.00%72.42%72.25%39.62%39.44%46.14%44.85%33.05%8.64%13.65%6.11%
Basic earnings per share (VND)0.00%0.00%0.00%0.47%0.25%0.21%0.14%0.05%0.01%0.02%0.01%
SOUTH asia200420052006200720082009201020112012two thousand and thirteen2014
Net interest income155.41%100.0%84.14%76.50%70.01%92.07%65.65%80.62%70.24%59.31%87.04%
Net profit/loss from service activities0.00%0.00%4.31%2.05%4.64%5.34%8.76%2.82%5.96%4.53%5.40%
Net profit/loss from
forex and gold trading
0.00%0.00%2.72%0.98%5.21%-6.54%2.03%8.85%0.65%-0.64%1.07%
Net profit/loss from trading securities0.00%0.00%0.00%0.00%7.65%2.00%7.32%-0.14%0.01%0.11%-0.01%
Net profit/loss from trading investment securities0.00%0.00%0.00%0.00%0.00%0.00%12.29%0.00%11.95%16.30%0.44%
Net profit/loss from other activities-55.41%0.00%3.18%8.99%2.13%6.05%3.06%0.08%1.96%14.42%1.89%
Income from capital contribution, share purchase0.00%0.00%5.65%11.48%10.35%1.08%0.88%7.77%9.22%5.98%4.16%
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 costs0.00%0.00%45.22%40.77%81.88%58.81%42.73%41.74%49.46%61.57%59.16%
Net operating profit before provision for credit losses100.0%100.0%54.78%59.23%18.12%41.19%57.27%58.26%50.54%38.43%40.84%
Provision expense for credit risk0.00%0.00%7.09%4.99%9.24%7.62%11.05%3.65%12.69%11.32%9.91%
Total profit before tax100.0%100.0%47.70%54.24%8.88%33.57%46.22%54.61%37.85%27.12%30.94%
Profit after tax100.0%72.00%34.31%37.97%6.74%25.53%34.66%40.92%28.32%19.93%23.88%
Profit after tax of shareholders of the parent bank100.0%72.00%34.31%37.97%6.74%25.53%34.66%40.92%28.32%19.93%23.88%
Basic earnings per share (VND)0.00%0.00%2.29%0.66%0.06%0.20%0.21%0.14%0.09%0.07%0.08%
OCB200420052006200720082009201020112012two thousand and thirteen2014
Net interest income155.41%100.0%84.14%76.50%70.01%92.07%65.65%80.62%70.24%59.31%87.04%
Net profit/loss from service activities0.00%0.00%4.31%2.05%4.64%5.34%8.76%2.82%5.96%4.53%5.40%
Net profit/loss from
forex and gold trading
0.00%0.00%2.72%0.98%5.21%-6.54%2.03%8.85%0.65%-0.64%1.07%
Net profit/loss from trading securities0.00%0.00%0.00%0.00%7.65%2.00%7.32%-0.14%0.01%0.11%-0.01%
Net profit/loss from trading investment securities0.00%0.00%0.00%0.00%0.00%0.00%12.29%0.00%11.95%16.30%0.44%
Net profit/loss from other activities-55.41%0.00%3.18%8.99%2.13%6.05%3.06%0.08%1.96%14.42%1.89%
Income from capital contribution, share purchase0.00%0.00%5.65%11.48%10.35%1.08%0.88%7.77%9.22%5.98%4.16%
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 costs0.00%0.00%45.22%40.77%81.88%58.81%42.73%41.74%49.46%61.57%59.16%
Net operating profit before provision for credit losses100.0%100.0%54.78%59.23%18.12%41.19%57.27%58.26%50.54%38.43%40.84%
Provision expense for credit risk0.00%0.00%7.09%4.99%9.24%7.62%11.05%3.65%12.69%11.32%9.91%
Total profit before tax100.0%100.0%47.70%54.24%8.88%33.57%46.22%54.61%37.85%27.12%30.94%
Profit after tax100.0%72.00%34.31%37.97%6.74%25.53%34.66%40.92%28.32%19.93%23.88%
Profit after tax of shareholders of the parent bank100.0%72.00%34.31%37.97%6.74%25.53%34.66%40.92%28.32%19.93%23.88%
Basic earnings per share (VND)0.00%0.00%2.29%0.66%0.06%0.20%0.21%0.14%0.09%0.07%0.08%
OCEAN200420052006200720082009201020112012two thousand and thirteen2014
Net interest income0.00%0.00%100.0%40.96%40.96%82.48%103.53%102.94%110.05%96.51%0.00%
Net profit/loss from service activities0.00%0.00%0.00%0.63%0.63%6.38%1.58%1.00%1.08%1.38%0.00%
Net profit/loss from forex and
gold trading
0.00%0.00%0.00%1.35%1.35%2.29%-3.59%-3.13%2.05%0.43%0.00%
Net profit/loss from trading securities0.00%0.00%0.00%-1.79%-1.79%-0.57%-4.33%-4.76%2.47%0.17%0.00%
Net profit/loss from trading investment securities0.00%0.00%0.00%55.56%55.56%0.46%0.56%-3.27%-1.24%4.53%0.00%
Net profit/loss from other activities0.00%0.00%0.00%1.94%1.94%7.97%1.50%5.74%-17.70%-6.94%0.00%
Income from capital contribution, share purchase0.00%0.00%0.00%1.35%1.35%1.00%0.76%1.48%3.30%3.91%0.00%
Total operating income0.00%0.00%100.0%100.0%100.0%100.0%100.0%100.0%100.0%100.0%0.00%
Operating costs0.00%0.00%0.00%58.02%58.02%36.69%30.48%39.69%47.16%48.92%0.00%
Net operating
profit before provision for credit losses
0.00%0.00%100.0%41.98%41.98%63.31%69.52%60.31%52.84%51.08%0.00%
Provision expense for credit risk0.00%0.00%0.00%2.76%2.76%7.31%11.89%18.78%31.77%35.34%0.00%
Total profit before tax0.00%0.00%100.0%39.22%39.22%56.00%57.63%41.54%21.07%15.74%0.00%
Profit after tax0.00%0.00%71.67%28.62%28.62%42.25%43.40%31.50%16.52%12.81%0.00%
Profit after tax of shareholders of the parent bank0.00%0.00%71.67%28.62%28.62%42.25%43.40%31.50%16.52%12.81%0.00%
Basic earnings per share (VND)0.00%0.00%86.82%2.86%2861.59%0.25%0.19%0.08%0.04%0.03%0.00%
PGBANK200420052006200720082009201020112012two thousand and thirteen2014
Net interest income0.00%100.0%0.00%86.61%66.07%68.15%77.79%93.72%84.64%76.53%87.44%

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Date published: 12/11/2021