INFOGRAPHIC: Consumer Finance in Vietnam - First-Half 2020 Review

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For the first time in a decade, Vietnam consumer finance market experienced a single-digit growth rate (9.2% YoY in the first half of 2020), following aggressive credit growth over the past few year. This is attributed to the dual challenge posed by COVID-19 pandemic and tightening regulations on cash loans disbursement prescribed at Circular 18/2019. However, despite the modest growth rate, Vietnam consumer finance maintained a contribution of over 20% of the country loan book.

Données & analyses

2015
25.7%
2016 2017 2018 2019 1H2020
2015 2016 2017 2018 2019 1H2020
5.2%
2015 2016 2017 2018 2019 1H2020
17.8%
3.5%
Vietnam
Consumer Finance
Report 1H2020
MARKET SIZE AND GROWTH
FINANCIAL BENCHMARKING
MARKET SEGMENTATION
Consumer lending growth dropped to single-digit growth
for the ﬁrst time in a decade as a result of COVID-19
PRODUCT-MIX ANALYSIS
Revolving Credit Cards continued to outperform traditional loan products
COMPETITIVE LANDSCAPE
Under the ongoing uncertainty caused by COVID, FinCos have switched to focus
on the preservation of market share and proﬁtability rather than rapid expansion,
making growth no longer the key theme of the CF market.
EARNING QUALITY & ASSET QUALITY
KEY GROWTH DRIVERS
Net interest income deteriorated,
while NPLs rose up!
FinCos’ average NIM, 2015 – 1H2020
FinCos’ average ROAA and ROAE,
2015 – 1H2020
ROAE ROAA
FinCos’ average NPL, 2015 – 1H2020
FinCos to grasp latest development trends to adapt the ever-changing
macro-economic environment
PROFITABILITY
FinCos’ net proﬁt margin plummeted
along with acceleration of provision
charge and falling operating income
Total outstanding loans of consumer ﬁnance players, 2015 – 1H2020
Loan proportion by product of active FinCos, 2019 vs. 1H2020
Market share of Top 10 FinCos & Others, 2019 vs. 1H2020
Personal Loans/Cash Loans & Others
1.6%
-7.8%
-1.4%
4.2%
Vehicles Loans (two and four-wheelers)
Consumer Durables
Credit Cards
FE Credit
HD Saigon
Shinhan Finance
Mirae Asset
Home Credit
Mcredit
Toyota Financial Service
JACCS
Others
2019
1H2020
2015 2016 2017 2018 2019 1H2019 1H2020
+2.6% YTD
(1H2020)
1,725,678
+11.7% YTD
(1H2019)
9.2%
VNDbn
Source: FiinResearch from SBV’s credit statistics, banks and FinCos’ ﬁnancial statements
CF
Banks’ CF
FinCos’ CF
9.2% 2.6%
8.9% 2.9%
13.6% -0.1%
1H2020 1H2020
YoY growth YTD growth
Growth rate of CF market
Source: FiinResearch. Data covering consumer ﬁnance of retail banks and active licensed FinCos
Source: FiinResearch
Source: FiinResearch
Source: FiinResearch. Average NPM, Provision charge/TOI and Credit
cost of 14 active FinCos in 1H2020.
Note: FinCos offer 4 main products: Consumer Durables (Consumer electronics & Home appliances), Vehicles Loans, Credit Cards,
and Personal Loans
2019
1H2020
FinCos to restructure product
portfolio to get ready for recovery
Emergence of
Alternative Lending
Digital Transformation
in Consumer Finance
Consumer
Finance Market
COVID-19 Pandemic
High rate of unemployment
Banks and Fincos are more cautious
in lending
Increasing use of non-cash payment
products
Regulatory Changes
Roadmap for Fincos to reduce
the proportion of cash loans
to 30% by 2024.
E-KYC has been approved for
banks and ﬁnance companies.
Consumer Lifestyle
Higher living standards: Beauty and
recreational services are popular among
young population.
Increasing borrowings for everyday
needs
Favor for non-cash payments

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Chúng tôi hân hạnh gửi đến Quý khách hàng Báo cáo FiinPro Digest #6 của FiinGroup về chất lượng và triển vọng lợi nhuận khối doanh nghiệp niêm yết 9T2020 và dự báo cả năm 2020 này. Năm 2020 đang dần khép lại và trong lúc chờ các công bố kết quả kinh doanh Q4-2020 sẽ sớm diễn ra, chúng tôi muốn đưa ra các phân tích nhằm chỉ ra hiện tốc độ và mức độ hồi phục sau Covid-19 ra sao dựa trên số liệu thực tế cho giai đoạn 9T2020. Với mục tiêu hỗ trợ quý khách hàng không chỉ nắm bắt được thực tế tình hình tăng trưởng và chất lượng lợi nhuận doanh nghiệp trong giai đoạn 9T2020 trong bối cảnh dịch bệnh Covid19 mà còn hỗ trợ quý khách hàng xây dựng quan điểm đầu tư cho cả năm 2021 tới đây. Do đó, chúng tôi cũng nỗ lực để dự báo cho quý cuối cùng của năm Q4-2020 và triển vọng cả năm 2020 nhằm cung cấp một tầm nhìn dài hơn.

FiinPro Digest #6: Lợi nhuận Doanh nghiệp trên đà Hồi phục ngoại trừ ngành Dầ...

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Chúng tôi hân hạnh gửi đến Quý khách hàng Báo cáo FiinPro Digest #5 của FiinGroup cập nhật và phân tích về chất lượng và triển vọng lợi nhuận khối doanh nghiệp niêm yết nửa đầu năm 2020 và triển vọng cả năm 2020 này. Dịch Covid-19 đang quay trở lại và mang đến những thách thức mới cho các doanh nghiệp nói riêng và nền kinh tế nói chung. Nhiều câu hỏi được đặt ra về chất lượng lợi nhuận Q2-2020 của các doanh nghiệp niêm yết cũng như triển vọng tăng trưởng năm 2020 trong bối cảnh dịch Covid-19 vẫn chưa được khống chế hoàn toàn. Đó là động lực và mục tiêu để chúng tôi tiến hành thực hiện Báo cáo FiinPro Data Digest #5 với mong muốn giúp khách hàng và cộng đồng đầu tư làm sáng tỏ các vấn đề ở góc độ phân tích Dữ liệu. Trước đó, Báo cáo FiinPro Digest #4 đã được chúng tôi cập nhật hai lần trong vòng 1 tháng qua nhằm cung cấp số liệu mới nhất và đầy đủ nhất về tình hình hoạt động kinh doanh của các doanh nghiệp niêm yết sau khi dịch Covid-19 tạm thời qua đi và nền kinh tế bắt đầu trạng thái “bình thường mới”. Báo cáo FiinPro Digest #5 tập trung vào đánh giá sức khỏe tài chính và triển vọng lợi nhuận của các doanh nghiệp dưới tác động của dịch Covid-19 với những phân tích dựa trên dữ liệu đầy đủ và cập nhật nhất đến thời điểm hiện nay khi mà phần lớn các doanh nghiệp đã công bố kết quả kinh doanh quý 2 và nửa đầu năm 2020.

FiinPro Digest #5: Chất lượng Lợi nhuận Doanh nghiệp trong Bối cảnh Covid-19

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Sau khi dịch Covid-19 tạm thời qua đi, nền kinh tế đang ở trạng thái “bình thường mới” và có thêm nhiều doanh nghiệp niêm yết trên 3 sàn HOSE, HNX và UPCoM mạnh dạn đưa ra kế hoạch kinh doanh tăng trưởng cho năm 2020 nhiều biến động này, và đây cũng là thời điểm bắt đầu mùa công bố kết quả kinh doanh quý 2/2020. Nhiều câu hỏi được đặt ra về triển vọng lợi nhuận năm 2020, ngành nào sẽ duy trì được tăng trưởng hoặc tiếp tục lún sâu vào suy giảm do ảnh hưởng của Covid-19 ở bên ngoài Việt Nam, nhóm cổ phiếu nào đã tăng hoặc triển vọng lợi nhuận tốt mà giá cổ phiếu chưa phản ánh, v.v.. Đó là động lưc và mục tiêu để chúng tôi tiến hành thực hiện Báo cáo FiinPro Data Digest #4 này với mong muốn sẽ giúp khách hàng và cộng đồng đầu tư làm sáng tỏ các vấn đề đó ở góc độ phân tích Dữ liệu. Riêng ấn bản FiinPro Data Digest số 4 lần này sẽ được chúng tôi cập nhật hàng tuần nhằm cung cấp góc nhìn chuyên sâu về tình hình hoạt động của doanh nghiệp khi kết quả kinh doanh quý 2 và 6 tháng đầu năm 2020 được công bố nhiều hơn qua thời gian.

FiinPro Digest #4: Doanh nghiệp sau giai đoạn Covid-19: Triển vọng lợi nhuận...

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Chúng tôi hân hạnh gửi đến Quý khách hàng Báo cáo FiinPro Data Digest #2 của nhóm Phân tích Dữ liệu thuộc FiinGroup. Đây là giai đoạn quan trọng của TTCKVN trước bối cảnh môi trường kinh doanh có nhiều thay đổi tác động đến hoạt động kinh doanh của doanh nghiệp cũng như hành vi của nhà đầu tư. Năm 2020 cũng là năm bản lề sau chu kỳ 10 năm kể từ giai đoạn khủng hoảng lần gần nhất bắt đầu từ 2008 và được xem là kết thúc theo đáy hình chữ U (thay vì chữ V) đến tận cuối năm 2013. Đây là báo cáo nằm trong chuỗi báo cáo “FiinPro Data Digest” mà chúng tôi đang thực hiện trong 2020 nhằm cung cấp góc nhìn độc lập và chuyên sâu về các vấn đề liên quan đến tài chính chứng khoán.

FiinPro Digest #2: Đánh giá Chất lượng Lợi nhuận Doanh nghiệp năm 2019 và Tri...

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This 2021 issue provides the latest information on current supply – demand situation in Vietnam cement sector with the in-depth analysis on key growth drivers, outlook for 2021 as well as forecast analysis until 2030. Especially, the analysis on retail bagged cement price for PCB30 and PCB40 by region and key brands is also included in this report. You can access this link to get FULL report: http://bit.ly/vietnam-cement-market-report-2021

FiinResearch - Vietnam Cement Market Report 2021

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VIETNAM PLASTIC PACKAGING MARKET 2021_PREVIEW

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Covid-19 đã tác động rất mạnh đến tăng trưởng và chất lượng lợi nhuận của các công ty đại chúng Việt Nam. FiinGroup ước tính lợi nhuận khối doanh nghiệp phi tài chính và nhóm Ngân hàng đang niêm yết sẽ suy giảm ở khoảng 12% trong năm 2020 sau khi đã giảm rất mạnh trong quý 1 vừa qua và dự kiến cả quý 2 này. Phân tích chuyên sâu dựa trên các bằng chứng dữ liệu và chỉ có ở FiinPro Data Digest #3. Quý vị vui lòng tải miễn phí báo cáo đầy đủ tại đây: VIE version: https://bit.ly/3ezcM31 EN version: https://bit.ly/3gRUbkW

FiinPro Digest 3 Highlights

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Chúng tôi hân hạnh gửi đến Quý khách hàng Báo cáo FiinPro Data Digest #3 của FiinGroup. Báo cáo này nằm trong chuỗi báo cáo phân tích dữ liệu nhằm phục vụ các khách hàng thuê bao các hệ thống dữ liệu của FiinGroup. Cũng như các báo cáo trước, FiinPro Data Digest tập trung vào phân tích dữ liệu tài chính để đưa ra các nhận định và phát hiện với bằng chứng dữ liệu cụ thể nhằm cung cấp góc nhìn độc lập và chuyên sâu về các vấn đề liên quan đến tài chính và chứng khoán. Trong khi FiinPro Data Digest #2 tập trung vào phân tích chất lượng lợi nhuận và chất lượng tăng trưởng của doanh nghiệp thì FiinPro Data Digest #3 này tập trung vào sức khỏe tài chính và triển vọng của doanh nghiệp sau tác động của Covid-19. Chúng tôi hi vọng rằng báo cáo không chỉ hỗ trợ giới phân tích chứng khoán cho các định chế đầu tư, nhà đầu tư cá nhân mà còn giúp ích cho các ngân hàng và cơ quan quản lý trong việc đưa ra các biện pháp hoặc chính sách hỗ trợ giảm thiểu những tác động của dịch bệnh đến các ngành và lĩnh vực khác nhau. Download: VIE version: https://bit.ly/3ezcM31 EN version: https://bit.ly/3gRUbkW

FiinPro Digest #3: Tác động của Covid-19: Đánh giá từ góc nhìn phân tích dữ l...

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Plus de FiinGroup JSC (19)

Vietnam Consumer Finance Report 2022: Time to change the game

Vietnam Cement Market Report 2022: Ready for a modest recovery ahead

Vietnam Banking Report 2022: Leading the post-pandemic growth

Hiểu đúng về Trái phiếu doanh nghiệp

Data Digest #8: Chứng khoán Việt Nam hiện đắt hay rẻ trong điều kiện bình thư...

Data Digest #11: Triển vọng Tăng trưởng Lợi nhuận và Cơ hội Đầu tư 2022

FiinGroup Invest Summit: Investment Outlook 2022

[Sample report] - Vietnam Plastic Packaging Market 2021

[Sample Report] - Vietnam Cement Market 2021

Vietnam Foreign Investment Outlook for 2022 and beyond

FiinPro Digest #7: Lợi nhuận doanh nghiệp khẳng định chu kỳ tăng trưởng mới

FiinPro Digest #6: Lợi nhuận Doanh nghiệp trên đà Hồi phục ngoại trừ ngành Dầ...

FiinPro Digest #5: Chất lượng Lợi nhuận Doanh nghiệp trong Bối cảnh Covid-19

FiinPro Digest #4: Doanh nghiệp sau giai đoạn Covid-19: Triển vọng lợi nhuận...

FiinPro Digest #2: Đánh giá Chất lượng Lợi nhuận Doanh nghiệp năm 2019 và Tri...

FiinResearch - Vietnam Cement Market Report 2021

VIETNAM PLASTIC PACKAGING MARKET 2021_PREVIEW

FiinPro Digest 3 Highlights

FiinPro Digest #3: Tác động của Covid-19: Đánh giá từ góc nhìn phân tích dữ l...

Dernier

Anomaly detection and data imputation within time series

Paris Women in Machine Learning and Data Science

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Aspirational Block Program Block Syaldey District - Almora

GovindSinghDasila

This project aims to predict whether a loan application will be approved or denied based on various factors such as applicant's income, credit score, loan amount, etc. Using a dataset containing historical loan application data, we employed machine learning algorithms to build a predictive model. The model was trained on features such as applicant's income, credit history, loan amount, loan term, and others. After training the model, we evaluated its performance using metrics like accuracy, precision, recall, and F1 score. The insights from this project can help financial institutions streamline their loan approval process and make informed decisions. Visit for more information: https://bostoninstituteofanalytics.org/data-science-and-artificial-intelligence/

Predicting Loan Approval: A Data Science Project

Boston Institute of Analytics

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1. 2015 25.7% 2016 2017 2018 2019 1H2020 2015 2016 2017 2018 2019 1H2020 5.2% 2015 2016 2017 2018 2019 1H2020 17.8% 3.5% Vietnam Consumer Finance Report 1H2020 MARKET SIZE AND GROWTH FINANCIAL BENCHMARKING MARKET SEGMENTATION Consumer lending growth dropped to single-digit growth for the first time in a decade as a result of COVID-19 PRODUCT-MIX ANALYSIS Revolving Credit Cards continued to outperform traditional loan products COMPETITIVE LANDSCAPE Under the ongoing uncertainty caused by COVID, FinCos have switched to focus on the preservation of market share and profitability rather than rapid expansion, making growth no longer the key theme of the CF market. EARNING QUALITY & ASSET QUALITY KEY GROWTH DRIVERS Net interest income deteriorated, while NPLs rose up! FinCos’ average NIM, 2015 – 1H2020 FinCos’ average ROAA and ROAE, 2015 – 1H2020 ROAE ROAA FinCos’ average NPL, 2015 – 1H2020 FinCos to grasp latest development trends to adapt the ever-changing macro-economic environment PROFITABILITY FinCos’ net profit margin plummeted along with acceleration of provision charge and falling operating income Total outstanding loans of consumer finance players, 2015 – 1H2020 Loan proportion by product of active FinCos, 2019 vs. 1H2020 Market share of Top 10 FinCos & Others, 2019 vs. 1H2020 Personal Loans/Cash Loans & Others 1.6% -7.8% -1.4% 4.2% Vehicles Loans (two and four-wheelers) Consumer Durables Credit Cards FE Credit HD Saigon Shinhan Finance Mirae Asset Home Credit Mcredit Toyota Financial Service JACCS Others 2019 1H2020 2015 2016 2017 2018 2019 1H2019 1H2020 +2.6% YTD (1H2020) 1,725,678 +11.7% YTD (1H2019) 9.2% VNDbn Source: FiinResearch from SBV’s credit statistics, banks and FinCos’ financial statements CF Banks’ CF FinCos’ CF 9.2% 2.6% 8.9% 2.9% 13.6% -0.1% 1H2020 1H2020 YoY growth YTD growth Growth rate of CF market Source: FiinResearch. Data covering consumer finance of retail banks and active licensed FinCos Source: FiinResearch Source: FiinResearch Source: FiinResearch. Average NPM, Provision charge/TOI and Credit cost of 14 active FinCos in 1H2020. Note: FinCos offer 4 main products: Consumer Durables (Consumer electronics & Home appliances), Vehicles Loans, Credit Cards, and Personal Loans 2019 1H2020 FinCos to restructure product portfolio to get ready for recovery Emergence of Alternative Lending Digital Transformation in Consumer Finance Consumer Finance Market COVID-19 Pandemic High rate of unemployment Banks and Fincos are more cautious in lending Increasing use of non-cash payment products Regulatory Changes Roadmap for Fincos to reduce the proportion of cash loans to 30% by 2024. E-KYC has been approved for banks and finance companies. Consumer Lifestyle Higher living standards: Beauty and recreational services are popular among young population. Increasing borrowings for everyday needs Favor for non-cash payments

INFOGRAPHIC: Consumer Finance in Vietnam - First-Half 2020 Review

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INFOGRAPHIC: Consumer Finance in Vietnam - First-Half 2020 Review