> For the complete documentation index, see [llms.txt](https://docs.fiinpro.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.fiinpro.com/english/sector/sector-constituents/financial-analysis.md).

# Financial Analysis

FiinPro-X analyzes the financial capabilities of all sectors through various indicators. 

<figure><img src="/files/Wq6qQsDvLchPRpYLCCBe" alt=""><figcaption><p>Table of features of Financial Analysis</p></figcaption></figure>

&#x20;For the Banking sector, users can analyze the sector’s overall capabilities through indicators such as Asset Quality, Capital Structure and Liquidity, Profitability and Efficiency.&#x20;

For other sectors, users can evaluate the industry through indicators such as payment, growth, cash flow, profitability, etc.&#x20;

<figure><img src="/files/PsZqu89lH8khxZUXX2fJ" alt=""><figcaption></figcaption></figure>

{% tabs %}
{% tab title="Asset quality" %}

<figure><img src="/files/Lvxzp0aBJNpDi0Aq1kOG" alt=""><figcaption></figcaption></figure>

Loan by sector:

* Trading
* Agriculture and forestry
* Manufacturing
* Construction
* Personal and Public services
* Warehousing, Transportation and Communication
* Training and Education
* Estate Agents and Consultants
* Hotels and Restaurants
* Financial Services
* Others&#x20;

Loan structure:

* Personal and Public Services
* Manufacturing
* Trading, Construction
* Estate Agents and Consultants
* Others

&#x20;Loan structure - In-depth comparison

* Pie chart of banks

Value of bond portfolio:

* Government bond
* Credit Institution bond
* Corporate bond
* Bond portfolio value growth&#x20;

NPL & SML/Total loan:

* NPL/Total loans
* SML/Total loans

&#x20;NPL coverage

* Provision/NPL
* Provision/NPL+SML
  {% endtab %}

{% tab title="Capital structure & Liquidity" %}

<figure><img src="/files/XuqGUSgFt69XBCByPlPi" alt=""><figcaption></figcaption></figure>

Detailed data

Loan structure:

* Short-term loan
* Long-term loan
* Medium-term loan

Deposit structure:

* Current deposit
* Term deposit
* Others

LDR ratio:

* LDR ratio
* Deposit growth
* Loan growth

CASA ratio:

Tier 1 Capital:
{% endtab %}

{% tab title="Profitability & Efficiency" %}

<figure><img src="/files/GMmarUkhVrn1E6PnELXE" alt=""><figcaption></figcaption></figure>

Income structure:

* Net interest & similar income
* Net fee & Commission income

Operating income & earning growth:

* Total operating income growth
* Income after tax growth

Net interest margin:

* NIM
* YOEA
* COF

Data table:

Non-interest income performance:
{% endtab %}
{% endtabs %}