7/28/2019 Bk Vietnam

1/19

VietnamBankingTechnology

Report

20CIOsfromBankingIndustry

RoundtableDiscussion

March21,

2012

Hanoi1

7/28/2019 Bk Vietnam

2/19

Content

A. BankClassification

B. BankingServices

C. RankingTop10Banks

D. BankingTechnology

2

7/28/2019 Bk Vietnam

3/19

A. BankClassification

StateBankofVietnam

StateownedCommercial(5Banks)

JointstockCommercial(35Banks)

WhollyForeignowned(5Banks)

3

7/28/2019 Bk Vietnam

4/19

A. BankClassification

4

TotalAssetsof44banks(excludingHongLeongBank):180,5BillionUSD

Stateowned Banks : 68,3BillionUSD

Commercial Banks : 106,7BillionUSD

Foreign

Banks :

5,5

Billion

USD

(not

including

Hong

Leong

Bank)

(CalculatingbasedoninformationfromAnnualReport2010of44Banks)

Stateowned

Banks

(68.3bil USD)

38%

CommercialBanks

(106.7bilUSD)

59%

ForeignBanks

(5.5bilUSD)

3%

TotalAssetsof44Banks2010

7/28/2019 Bk Vietnam

5/19

A. BankClassification

5

ACB

(9.86bilUSD)

12%

Techcombank

(7.23bil USD)

9%

Sacombank

(6.82bil USD)

8%

Eximbank(6.30bil USD)

8%

Maritime

(5.55bilUSD)

7%

MBBank(5.27bilUSD)

6%VIB

(4.51bilUSD)

5%

PhuongNam

(2.90bil USD)

3%

SCB

(2.89bilUSD)

3%

VPBank

(2.87bilUSD)

3%

SeAbank

(2.66bilUSD)

3%

Oceanbank

(2.65bilUSD)

3%

Others

(25.47bil USD)

30%

TotalAssetsofCommercialBanks2010

ANZ

(26.4bil

USD)

24%

HSBC

(47.826bil

USD)

44%

Shinhan

(18bil USD)

17%

Standard

Chartered

(16.671bil

USD)

15%

TotalAssetsofForeignBanks2010

(excluding

Hong

Leong

Bank)

MHB(51.4bilUSD)

3%

Agribank

(534.987bil USD)

33%

Vietinbank

(367.712bilUSD)

23%BIDV

(366.268bil USD)

22%

Vietcombank

(307.496bilUSD)

19%

TotalAssets

of

State

owned

Banks

2010

7/28/2019 Bk Vietnam

6/19

6

Cards

Loan Deposits

MoneyTransferServices

Personal/RetailBanking

Loan

Deposits

Remittance TradeFinance

Enterprise/Corporate

Banking

Billpayment

OnlineAccount

ATM

InternetBanking

SMSBanking

PhoneBanking

Mplus(Mobileplus)

MobileBanking

B. BankingServices

Most banks in Vietnam provide 4 types of services, including:

7/28/2019 Bk Vietnam

7/19

7

C. RankingTop10Banks

5.0

10.0

15.0

20.0

25.0

30.0 25.7

17.7 17.6

14.8

9.9

7.2 6.8 6.3 5.5 5.3

Top10

Banks

by

Total

Assets

(basedonAnnualReportsofBanks2010)

InBillionUSD(2010)

7/28/2019 Bk Vietnam

8/19

8

C. RankingTop10Banks

0

50

100

150

200

250 210.8187.9170.7

139.6118.9 114.4

103.6 89.9 75.9 65

Top10BanksbyNetProfit(basedonAnnualReportsofBanks2010)

InMillion

USD

(2010)

7/28/2019 Bk Vietnam

9/19

9

C. RankingTop10Banks

Top10BanksbyROA

(basedonAnnualReportsofBanks2010)

Ranking Bank Name BankType ROA(%) ROE(%)Profit/Total

Assets(%)

TotalAssets

(inBil USD)

NetProfit

(inMilUSD)

1 MBBank Commercial 2,54 0,29 2.08 5.27 110

2 Techcombank Commercial 1,9 24,9 1.38 7.23 99.6

3 Eximbank Commercial 1,85 13,51 1.81 6.3 114.3

4 ACB Commercial 1,7 28,9 1.36 9.86 134.2

5 VIB Commercial 1,64 23,7 0.84 4.51 38

6 Maritime Commercial 1,55 35,1 1.32 5.55 73

7 Vietinbank Commercial 1,5 21,1 0.93 17.68 164.1

8 Vietcombank Commercial 1,5 22,55 1.37 14.78 202.6

9 Sacombank Commercial 1,5 15,04 1.27

6.82 86.5

10 BIDV Commercial 1,13 17,96 1.03 17.61 180.7

7/28/2019 Bk Vietnam

10/19

7/28/2019 Bk Vietnam

11/19

1. NetworkingInternet/Intranet

2. ServerDesktop

Utilities

3. Software

4. Database

5. SecuritySystem

6. CoreBanking

7. DisasterRecovery

11

D. BankingTechnology

7/28/2019 Bk Vietnam

12/19

1.NetworkingInternet/Intranet

IntranetVendors

ESC

Alcatel

Cisco

CMCSI

InternetServiceProviders

12

VNPT

68%

VIETTEL

17%

FPT

9%

CMCTI

2%

SPT

1% Others

3%

MarketshareofISP12/2011(InformationbasedonVNNIC)

7/28/2019 Bk Vietnam

13/19

13

2.ServerDesktopUtilities

7/28/2019 Bk Vietnam

14/19

14

3.Software

Software

Operational System: Microsoft Window, linux and Mac OSX

Anti Viruso Kaspersky

o Eset Nod32

o TrendMicro

o McAffeeo Panda

o BKAV

o Norton AntiVirus

o

Office tool: Microsoft Office

7/28/2019 Bk Vietnam

15/19

15

4.Database

y Databasemanagedby

o ERP

o CRM

o MySQL

o Sharepoint

o Corebanking

Vendors:IBM,CMCSoftware,HPT,Oracle,Cisco,SAP

7/28/2019 Bk Vietnam

16/19

16

5.SecuritySystem

a. Application security

b. Content security

c. Data securityd. Endpoint security

e. Network security

f. Identity & Access managementg. Risk & Compliance management

h. Security operation

i. Consulting services

7/28/2019 Bk Vietnam

17/19

17

6.CoreBanking

32%

18%14%

11%

11%

7%7%

CoreBankingSuppliersof38BanksinVietnam

Temenos(T24)

OSI(TCBS)

SungardAmbit(SystemAccess)

SilverLake

Hyundai

FPT(SmartBank)

Polaris

7/28/2019 Bk Vietnam

18/19

18

7/28/2019 Bk Vietnam

19/19

19

7.DisasterRecovery