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베트남의 은행업 분석(2020년)

Vietnam Banking Report 2020

리서치사 FiinGroup JSC
발행일 2020년 09월 상품 코드 959727
페이지 정보 영문 120 Pages
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베트남의 은행업 분석(2020년) Vietnam Banking Report 2020
발행일 : 2020년 09월 페이지 정보 : 영문 120 Pages

본 상품은 영문 자료로 한글과 영문목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

베트남에서는 신종 코로나바이러스 감염증(COVID-19)의 효과적인 봉쇄에 성공했으나, 2020년 전반의 GDP 성장률이 1.81%로 하락하며, 과거 10년간 가장 낮은 상반기 성장률을 기록했습니다. 예금잔고의 신장률도 은행 수익률도 대폭 하락하며, 자산건전성에도 큰 왜곡이 발생하고 있습니다. 한편, COVID-19에 대한 대응을 계기로 본격적인 DX(디지털 전환)가 베트남의 금융업에서도 실현되고 있습니다.

베트남의 금융·은행 시장을 분석했으며, 은행업·금융업의 배경 및 기본 구조, 주요 시장 지표(시장 규모·수익률 등)의 동향과 전망, 최근 시장의 주요 동향, 당국의 주요 규제·정책, 주요 시장 촉진·억제요인, 향후 발전 전망, 주요 기업(은행)의 개요, 신종 코로나바이러스 감염증(COVID-19)의 영향 등에 대해 조사하여 전해드립니다.

목차

본 보고서의 갱신 내용

제1장 COVID-19의 팬데믹을 고려한 베트남의 경제

제2장 은행 업계의 실적 분석

  • 대출금 증가율
  • 예금 증가율
  • 자산건전성
  • 수익성
  • 유동성
  • 자기자본 비율
  • 운영 효율과 수익률

제3장 베트남의 논뱅크 시장 : 최신 동향

  • 소비자 금융
  • 자본시장
    • 주식시장
    • 고정 수입 시장(채권시장)

제4장 금융업의 주요 동향

  • 사채 시장의 루프홀과 규제기관의 반응
  • 금융업의 DX(디지털 전환)
  • 기업인수합병(M&A)과 업계 재편

제5장 주요 정책과 규제 체제 : 최신 동향

  • COVID-19 팬데믹에 대한 정책적 대응
  • 은행업에 관한 규제 개정
  • 논뱅크에 관한 규제 갱신
  • 자본시장에 관한 규제 갱신
  • 금융포용에 관한 규제 갱신

제6장 부록

KSA 20.09.21

Following the Government's implementation of effective COVID-19 containment measures, in the first half of 2020, Vietnam economy witnessed GDP growth falling to 1.81%, the lowest first-half growth for the last 10 years. The pandemic has disrupted global trade and supply chains leading to deterioration in corporate earnings and individual income, which eventually weakens credit demand and asset quality of the banking sector in Vietnam.

In this Banking Report 2020, we provide in-depth analysis of the impact of COVID-19 on every aspect of the banking sector and individual banks, including credit growth, asset quality, earning quality, liquidity, profitability, and operation efficiency. Development trends and regulations in response to the pandemic are also covered.

Credit growth inched up by only 3.45% in the first 7 months

Credit growth registered a modest 3.45% YTD growth in the first 7 months, significantly lower than the same period last year (7.48%). Despite a series of measured adopted by SBV to encourage credit growth, the demand for new loans fell sharply, since businesses had to scale down production and postpone investment plans. Meanwhile, banks also take extra caution in loan appraisals, considering that the ability to pay back debt of individuals and enterprises are both worsening.

Asset quality of banks appears to be distorted in 1H2020

Reported NPL ratio of credit institutions hovered at 1.63%, while total NPL ratio including bad debts held at VAMC and potential bad debts declined from 4.96% to 4.43%. However, the figure did not fully reflect the asset quality picture of banks due to the influence of SBV's Circular 01 which allowed credit institutions to postpone categorizing overdue debts incurred before 23 Jan to NPLs. Concurrently, corporate earnings considerably worsened in the 1H2020, threatening their ability to pay back debt and eventually bank asset quality.

Banks' earning quality diminished amidst the increasing prevalence of COVID-19

In 1H2020 average NIM, which was heavily impacted by reduction in interest rates and decline in demand deposit, recorded a low level of 2.9%. Net fee and commission income also declined substantially.

Liquidity remained abundant due to slow credit growth

The liquidity of the banking system remained abundant, reflected in the overnight interbank rates and government bond yield that have remained low since the beginning of the year. In 1H2020, despite modest expansion, total customer deposit and money supply still grew beyond credit growth as bank saving is still considered a save choice amidst the complicated epidemic and economic downturn, which helped maintain the abundant liquidity for the banking sector.

Various policy measures have been implemented to counter the effects of the pandemic

Notably, under Directive 11, the Government grants the fiscal package of VND30trn for tax exemption/reduction and the VND250trn credit package that credit institutions may assist customers affected by the pandemic. Also, SBV's Circular 01 allows credit institutions to reschedule the payment term for both principal loans/financial leases and overdue interest overdue from 23rd January 2020 until the Covid-19 ends for 3 months.

COVID-19 has offered an opportunity for Vietnam banking sector to promote digitalization

Digital transformation has bloomed among Vietnamese banks recently with the surge of digital banking transaction volume and value. The emergence of COVID-19 along with changes in consumer behavior and support from the Government bolstered this transformation.

Table of Contents

What's new in this report

1. Vietnam's economy in the light of the COVID-19 pandemic

2. Review of banking sector

  • 2.1. Credit growth
  • 2.2. Deposit growth
  • 2.3. Asset quality
  • 2.4. Earning quality
  • 2.5. Liquidity
  • 2.6. Capital adequacy
  • 2.7. Operation efficiency & profitability

3. Vietnam non-bank updates

  • 3.1. Consumer finance
  • 3.2. Capital market
    • 3.2.1. Equity market
    • 3.2.2. Fixed market

4. Key development trends in financial sectors

  • 4.1. Loopholes in Corporate bond market and local regulators' reaction
  • 4.2. Digital Transformation in financial sectors
  • 4.3. M&A and sector consolidation

5. Major Policy and Regulatory Framework Updates

  • 5.1. Policy responses to the COVID-19 pandemic
  • 5.2. Updated regulations on the banking sector
  • 5.3. Updated regulations on non-bank credit institutions
  • 5.4. Updated regulations on capital market
  • 5.5. Updated regulations on financial inclusion

6. Appendices

  • 6.1. Profiles of SOCBs
  • 6.2. Profiles of selected JSCBs
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