Page 31 - BC_Vietnam_CEO_2018_Vietnam_Report

BÁO CÁO VIETNAM CEO INSIGHT 2018 KỈ NGUYÊN KINH TẾ TRÍ TUỆ NHÂN TẠO

from the end of 2016 and the general provision was esti-
mated upward by 22.1% from the end of 2016. The ratio
of loan loss provisions on NpLs was reported at 65.8%.

• liquidity. The liquidity of credit institutions was
relatively stable. The loan-to-deposit ratio (LDR) of the
system averaged about 87.3% (in 2016, the figure
was 85.6%). The VND LDR was 88.6% and the foreign
currency LDR was 75.8%.

- Mobilized capital source (including customer
deposits and valuable papers issue) increased more
slowly compared to 2016. The mobilized capital source
from economic organizations and people was estimated
up by 16.9% from the end of 2016. The mobilized cap-
ital source from valuable papers issue was estimated to
grow by 28% because some credit institutions acceler-
ated the valuable papers issue to increase tier 2 capital
and restructure the term of the mobilized capital source.
ước tăng 28% do một số TCTD đẩy mạnh phát hành
GTCG nhằm tăng vốn cấp 2 và cơ cấu lại kỳ hạn nguồn - VND capital mobilization continued to account for a
vốn huy động. majority share. The VND capital mobilization was esti-
mated to increase by 18.4% and accounted for 90.5% of
- Huy động bằng VND tiếp tục chiếm tỷ trọng chủ total mobilized capital. Foreign currency capital mobiliza-
yếu. Huy động bằng VND ước tăng 18,4% và chiếm tỷ tion was estimated to increase by 4% compared to the
trọng 90,5% tổng vốn huy động. Huy động ngoại tệ end of 2016 and accounted for about 9.5%. The share of
ước tăng 4% so với cuối năm 2016 và chiếm tỷ trọng foreign currency capital mobilization decreased as the
khoảng 9,5%. Tỷ trọng huy động ngoại tệ giảm do ceiling interest rate of the USD capital mobilization was
trần lãi suất huy động USD ở mức 0%, tỷ giá USD/VND 0%, the USD/VND exchange rate was stable; and the
ổn định, tâm lý găm giữ ngoại tệ giảm. psychology of holding foreign currencies was reduced.

- Huy động vốn có kỳ hạn tăng 18,1%, chiếm - Term capital mobilization increased by 18.1%,
80,9% tổng huy động, huy động không kỳ hạn chiếm accounting for 80.9% of the total mobilized capital in
19,1% tổng huy động. which the non-term capital mobilization accounted for
19.1% of the total mobilized capital.
- Tỷ lệ nguồn vốn ngắn hạn sử dụng cho vay
trung và dài hạn bình quân của hệ thống TCTD giảm - The average rate of short-term capital for medi-
nhẹ, ước khoảng 31,2%. Ngoài ra vẫn còn một số um-term and long-term loans of the credit institutions
NHTM đang gặp khó khăn về cân đối kỳ hạn giữa was estimated downward slightly by about 31.2%. In
nguồn vốn và sử dụng vốn, tỷ trọng tín dụng trung addition, some commercial banks still had difficulties in
và dài hạn cao (70-80%), tỷ lệ sử dụng nguồn vốn term balance between the capital source and the use of
ngắn hạn cho vay trung dài hạn gần 50% (sát capital, the share of medium- and long-term credit was
ngưỡng quy định của NHNN tại Thông tư high (70-80%), and the rate of short-term capital for
06/2016/TTNHNN). medium- and long-term loans was nearly 50% (that
was nearly close to the threshold regulated by the State
Do vậy, các NHTM cần chú trọng việc cân đối lại kỳ Bank of Vietnam in Circular 06/2016/TTNNNN).

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