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ベトナムの銀行業の分析 (2020年)

Vietnam Banking Report 2020

出版日: | 発行: FiinGroup JSC | ページ情報: 英文 120 Pages | 納期: 即納可能 即納可能とは

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本日の銀行送金レート: 1USD=105.84円
ベトナムの銀行業の分析 (2020年)
出版日: 2020年09月04日
発行: FiinGroup JSC
ページ情報: 英文 120 Pages
納期: 即納可能 即納可能とは
  • 全表示
  • 概要
  • 目次
概要

ベトナムでは新型コロナウイルス感染症 (COVID-19) の効果的な封じ込めに成功しましたが、2020年前半のGDP成長率が1.81%に低下し、過去10年間で最も低い上半期成長率を記録しました。預金残高の伸び率も銀行の収益率も大幅に低下し、資産内容にも大きなゆがみが生じています。他方、COVID-19への対応が契機となり、本格的なDX (デジタルトランスフォーメーション) がベトナムの金融業でも実現しつつあります。

当レポートでは、ベトナムにおける金融・銀行市場について分析し、銀行業・金融業の背景事情や基本構造、主な市場指標 (市場規模・収益率など) の動向と見通し、昨今の市場の主な動き、当局の主な規制・政策、主な市場促進・抑制要因、今後の発展見通し、主要企業 (銀行) のプロファイル、新型コロナウイルス感染症 (COVID-19) による影響などについて調査しております。

目次

当レポートの更新内容

第1章 COVID-19のパンデミックに照らしたベトナムの経済

第2章 銀行業界の業績の分析

  • 貸出金増加率
  • 預金増加率
  • 資産内容
  • 収益性
  • 流動性
  • 自己資本比率
  • 運用効率と収益率

第3章 ベトナムのノンバンク市場:最新動向

  • 消費者金融
  • 資本市場
    • 株式市場
    • 固定収入市場 (債券市場)

第4章 金融業の主な動向

  • 社債市場の抜け穴と規制当局の反応
  • 金融業におけるDX (デジタルトランスフォーメーション)
  • 企業合併・買収 (M&A) と業界再編

第5章 主要政策と規制体制:最新動向

  • COVID-19パンデミックへの政策的対応
  • 銀行業に関する規制の改訂
  • ノンバンクに関する規制の更新
  • 資本市場に関する規制の更新
  • 金融包摂に関する規制の更新

第6章 付録

目次

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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