New Market Research Report: Vietnam Commercial Banking Report Q1 2011

New Financial Services market report from Business Monitor International: "Vietnam Commercial Banking Report Q1 2011"
 
Jan. 19, 2011 - PRLog -- Weak Credit Growth To Depress Banking Sector Profits  We believe credit growth in Vietnam will miss the government's target of 25.0% for 2010 as lending  rates remain high at 13.0-14.0% as of July. Intense competition for deposits between commercial banks  will also depress profit margins, further weakening banks' bottom lines in H210. However, we believe  banks with greater exposure to the infrastructure sector and the consumer loans market will be in a better  position to deal with the slowdown in H210 and 2011.  Vietnam's banking sector profits look set to be disappointing for full-year 2010 as credit growth is  estimated to have already slowed to 10.5% year-on-year (y-o-y) in H110, compared to 17.0% in H109,  according to the State Bank of Vietnam (SBV). The government is targeting credit growth of 25.0% in  2010 to support its real GDP growth target of 6.5% for the year. However, despite the government's  pressure on commercial banks to lower lending rates to 12.0%, rates in July remained at 13.0-14.0%,  according to local media reports. Competition in the banking sector is also heating up as banks struggle to  achieve their profit targets for the year.  Inflationary Risks To Keep Lending Rates Elevated  With consumer price inflation (CPI) coming in at 8.2% y-o-y in July 2010, banks are having trouble  attracting funds without offering depositors higher returns. As such, deposit rates continue to remain  elevated at 11.5% as commercial banks refrain from lowering their deposit rates due to intense  competition for depositor funds. Banks have had to resort to offering gifts and bonus interest in order to  attract funds. This is putting them in a difficult situation in which slashing deposit rates risks driving  depositors away, while keeping lending rates high discourages businesses from borrowing. The central  bank has also been pressuring commercial banks to lower their lending rates, which means that profit  margins for the banking sector will continue to be squeezed.

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Report Table of Contents:

Executive Summary
- Table: Levels (VNDbn)
- Table: Levels (US$bn)
- Table: Levels At August 2009
- Table: Annual Growth Rate Projections 2010-2014 (%)
- Table: Ranking Out Of 59 Countries Reviewed In 2010
- Table: Projected Levels (VNDbn)
- Table: Projected Levels (US$bn)
SWOT Analysis
- Vietnam Commercial Banking SWOT
- Vietnam Political SWOT
- Vietnam Economic SWOT
- Vietnam Business Environment SWOT
Business Environment Outlook
- Commercial Banking Business Environment Ratings
- Table: Vietnam's Commercial Banking Business Environment Rating
- Commercial Banking Business Environment Rating Methodology
- Table: Asia Commercial Banking Business Environment Ratings
Global Commercial Banking Outlook
Asia Banking Sector Outlook
- Table: Banks' Bond Portfolios
- Table: Asia Commercial Banking Business Environment Ratings
- Table: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios
- Table: Anticipated Developments In 2011
- Table: Comparison Of Total Assets, Client Loans And Client Deposits, 2009-2010 (US$bn)
- Table: Comparison Of Per Capita Deposits, 2010e (US$)
- Table: Interbank Rates And Bond Yields, 2009-2010
Vietnam Banking Sector Outlook
Economic Outlook
- Table: Vietnam Economic Activity, 2007-2015
Company Profiles
- Vietcombank
- Table: Key Statistics For Vietcombank, 2004-2008 (VNDmn)
- BIDV
- Table: Key Statistics For BIDV, 2004-2006 (VNDmn)
- VietinBank
- Table: Key Statistics For VietinBank, 2005-2008 (VNDmn)
- Agribank
- Table: Balance Sheet (VNDmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- MHB Bank
- Table: Key Statistics For MHB Bank, 2006-2008 (VNDmn)
- Habubank
- Table: Key Statistics For Habubank, 2004-2007 (VNDmn)
- Eximbank
- Table: Balance Sheet (VNDmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Sacombank
- Table: Stock Market Indicators
- Table: Balance Sheet (VNDmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- Saigonbank
- Table: Stock Market Indicators
- Table: Balance Sheet (VNDmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
- SeABank
- Table: Balance Sheet (VNDmn, unless stated)
- Table: Balance Sheet (US$mn, unless stated)
- Table: Key Ratios (%)
BMI Banking Sector Methodology
- Commercial Bank Business Environment Rating
- Table: Commercial Banking Business Environment Indicators And Rationale
- Table: Weighting Of Indicators

About Business Monitor International

Business Monitor International (BMI) offers a comprehensive range of products and services designed to help senior executives, analysts and researchers assess and better manage operating risks, and exploit business opportunities, across 175 markets.  BMI offers three main areas of expertise: Country Risk BMI's country risk and macroeconomic forecast portfolio includes weekly financial market reports, monthly regional Monitors, and in-depth quarterly Business Forecast Reports.  Industry Analysis BMI covers a total of 17 industry verticals through a portfolio of services, including in-depth quarterly Country Forecast Reports.  View more research from Business Monitor International at http://www.fastmr.com/catalog/publishers.aspx?pubid=1010

About Fast Market Research

Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.

For more information about these or related research reports, please visit our website at http://www.fastmr.com or call us at 1.800.844.8156.

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Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.
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