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More than 90 percent of credit institutions expect positive growth in net profit by the end of the year
According to results of the latest business trend survey released by the State Bank of Vietnam (SBV), Statistics and Forecasting Department, the business conditions this year continue to improve, credit institutions expect higher business results this year than the previous year.
The survey results show that the business conditions in the third quarter of 2019 as assessed by credit institutions continued to improve more clearly than in the second quarter of 2019. Specifically, 76.5% of credit institutions said the business conditions have improved, of which 20.6% said "much improved".
82.3% of credit institutions expect the business conditions to "improve" in the fourth quarter of 2019 and 87.1% of credit institutions expect the overall business conditions in 2019 to "improve" than in 2018, of which 28.4-29.7% of credit institutions expect much improvement (higher than the rate of 20-27.4% recorded in the June 2019 survey).
By the end of the third quarter of 2019, 80.39% of credit institutions assessed the overall risk of customer groups as "normal"; 15.69% of credit institutions rated the risk as "low".
In general, in 2019 compared to 2018, credit institutions have adjusted their expectations in a more positive direction with 60% of credit institutions assessing the overall risks of customer groups at a “stable level”, 20% of credit institutions expect risk reduction.
Regarding the handling of bad debts: According to the survey results, non-performing loans of the credit institution system gradually improved with credit institutions 27.6% said the ratio of non-performing loans over outstanding loans ratio of their units "decreased" in the third quarter of 2019 and 28.9% of credit institutions expect the ratio of non-performing loans will "decrease" in the fourth quarter of 2019 (higher than the corresponding rate of 27.4-26.9% recorded in the June 2019 survey).
Capital mobilization for the whole credit institution system is expected to increase by an average of 4.39% in the fourth quarter of 2019 and increase by 13.06% in 2019, adjusted down 0.42% compared to the expectation in the previous survey period (but still higher than the actual increase of 12.45% in 2018).
The outstanding loans of the banking system are expected to grow by 4.85% in the fourth quarter of 2019 and by 13.61% in 2019, adjusted down by 0.72% compared to the expected average of 14.33% recorded in the previous survey (lower than the actual increase of 13.88% in 2018).
According to the State Bank of Vietnam, credit institutions continuously revised down their expectation about the growth rate of outstanding loans in 2019 through the surveys from 15.27 % to 13.61% (September 2019), close to the sector's credit growth target of 2019.
- More than 90 percent of credit institutions expect positive growth in net profit by the end of the year
- Credit growth of nine months reached 8.64 %
- Moody’s assigns first-time Ba3 deposit and issuer ratings to Agribank
- Banks accelerate non-cash payments
- Inward remittances to Ho Chi Minh City reached USD 3.8 billion over the first 9 months