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CONTENTS 03 Ratios
Ratios analysis
Risk
04 Risks, Conclusion
2
INTRODUCTION
Was founded on May 5th 2008.
Has been granted outstanding awards.
Have branches in 16 provinces
63 outlets, 72 ATM with 48 LiveBank
automated trading
ABOUT
TPBANK’S MISSION
Provides perfect financial products and services
5
SPECIFIC
ANNOUNCEMENT
2017
Mr. Ha Hong Sik - BOD Member and Mr. Kento Tokimori – BOS Member submitted
resignation letter
HCM City Stock Exchange announced to have received registration for listing TPBank.
2018
SBV announced the revision of licensing certificates for TPBank.
Board of Management approves the application for the termination of labor contract of Ms.
Bui Thi Thanh Huong
INFLUENCES OF
ECONOMICAL
ENVIRONMENT
8
GDP & INFLATION
10
2. INDUSTRY
INFLUENCES OF
ECONOMICAL
ENVIRONMENT
11
INDUSTRY
2015 2016 2017
Banking sector’s performance Bad debt rates Banking sector’s performance saw
improved significantly continue to decline positive changes
Circular No. 36/2014 introduced TP Bank launched tech product in
a series of regulations on the market.
banking safety
12
3. OTHER CONDITIONS
INFLUENCES OF
ECONOMICAL
ENVIRONMENT
13
OTHER CONDITIONS
2015 2016 2017
The State Bank of Vietnam The post-Brexit and the The world's economy
made timely adjustments, election of President recovered strongly.
limiting the damage to banks Donald Trump
The rise of the currency.
14
FORCAST FOR THE
NEXT 5 YEARS
Scalability of services:
Potential to widen Fintech products
Network scalability:
Widen according to the growth of equity
Ability to increase customers:
Ability to increase a large number of customers, especially young segment
12.08
12 11.47
11
10
8 7.46
4 3.56
2.44 2.38
2.09
2
1.2 1
0.62 0.42
0
TP Bank MB Bank SH Bank Industry
17
SHARE PERFORMANCE
56.47%
57.30%
64.34%
20
Credit Risk
• NPL ratio is low => safe
• Provision for credit losses and allowances for
bank loans are high => ensure credit activities
• The2015 2016
ratio of net-charge-offs 2017
to total loansRequirement
and
CAR leases fell sharply
12.13% => sign of
9.79% reducingEqual
9.36% bad or
debt
more than 8%
Liquidity Risk
regulations, built a liquidity risk management
framework and supervised liquidity risk.
Loan-deposit
ratio (LDR) 50.55% 60% 62.18% Maximum is 80%
CONCLUSION
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