Banking Ratios
F5.71
Net Interest Margin (NIM)
NIM = Net Interest Income divided by Earning Assets
Earning assets = Deposits at SBV + Deposits at other financial institutions + Securities investment + Loans to customers
= F3.45/AVER(F3.178)
This index is calculated by year or Total of 4 consecutive quarters
- By Year: F3.45 by year, F3.178 is the average of the number at the beginning and end of the year
By 4 Quarters: Total F3.45 for four quarters, F3.178 is the average of four quarters
F5.72
Average Yield on Earning Assets (YOEA)
YOEA = Interest income and the equivalents divided by Earning Assets. Earning assets are calculated similarly as when calculating NIM
= F3.43/AVER(F3.178)
This expense is calculated by year or Total of 4 consecutive quarters similarly with NIM
F5.73
Average Cost of Financing (COF)
COF = Interest expenses and the equivalents divided by Interest Payables
Interest payables = Debts to the Government and the State Bank of Vietnam + Deposits and loans to other financial institutions + Deposits from customers + Issuance of valuable papers
=F3.44/AVER(F3.179)
This metric is calculated by year or Sum of 4 consecutive quarters
F5.74
Non-interest income/ Net Interest Income
Non-interest income/ Net Interest Income = (Net profit from service activities + net profit from Forex and gold trading + Net profit from trading securities + Net profit from trading investment securities + Net profit from other activities) divided by Net interest income
= (F3.48+F3.49+F3.50+ F3.51+F3.54)/F3.45
This metric is calculated by year or Sum of 4 consecutive quarters
F5.75
Cost-to-Income Ratio
Cost-to-Income Ratio = Operating expenses divided by Total operating income
=F3.56/F3.55B
This index is calculated by year or Sum of 4 consecutive quarters
F5.76
Preprovision ROA %
Preprovision ROA % = Net operating profit before CF provision for credit losses divided by Total Assets
=F3.57/AVER(F3.1)
This index is calculated by year or Sum of 4 consecutive quarters
F5.77
Average Loans Growth %
= Loans to customers of this year/quarter for the previous year/quarter
F5.78
Aver Deposit Growth %
= Deposits to customers of this year/quarter for the previous year/quarter
F5.79
CAR - Tier 1
Imported from annual financial statements
F5.81
Equity/Liabilities
=F3.36/F3.28
F5.82
Equity/Loans
=F3.36/(F3.29)
F5.83
Equity/Assets
=F3.36/F3.1
F5.84
Loans/Deposit Ratio
=(F3.29)/ (F3.31)
F5.85
NPL
NPL = (Bad Debt + Doubtful Debt + Debt with Potential of Loss) divided by Loans to customers
=(F3.146+F3.147+F3.148)/F3.10
This index is calculated on a yearly or quarterly basis
F5.86
Loan-loss reserves/NPLs
Loan-loss reserves/NPL = Provisions for loans to customers divided by NPL
=F3.11/(F3.146+F3.147+F3.148)
This index is calculated on a yearly or quarterly basis
F5.87
Loan-loss reserves/Loans
= Provision for loans to customers / Loans to customers
=F3.11/F3.10
F5.88
Provision Charges/Loans
= Expense of provision for credit risk / Loans to customers
=F3.58/F3.10
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