What Banks in Vietnam Had the Lowest Loan to Deposit Ratio in 2019?

Top Banks by Loans (As % Of Deposits)
Banking | Vietnam | March 3, 2020
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Excel Sheet

Based on a comparison of 15 banks in Vietnam in 2019, Sacombank operated with the lowest loan to deposit ratio, followed by Vietcombank and Vietnam Export Import Bank.

Sacombank's loan to deposit ratio reached 72.9% at the end of 2019, up from 70.8% when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 106% in 2011 and an all time low of 67.3% in 2016.

Comparing Sacombank with its closest peers, Vietcombank ended the year 2019 with loans to deposits at 78.0%, Vietnam Export Import Bank with 80.5% and Asia Commercial Bank some 86.4% of loans to deposits at the end of 2019.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Vietnamese banks in the report section.

Loans (As % Of Deposits) Unit 2012 2013 2014 2015 2016 2017 2018 2019
Agribank % 91.0% 82.8% 81.0% ... ... ... ...
Asia Commercial Bank % 76.5% 74.2% 76.5% 78.1% 81.5%
BIDV % 106% 98.6% 96.9% 92.3% 92.8%
HDBank % 69.5% 63.5% 73.0% 75.0% 82.1%
Lien Viet PostBank % 52.1% 52.4% 71.5% 70.9% 76.3% ...
MBBank % 63.2% 58.5% 65.7% 76.3% 82.7%
Sacombank % 82.6% 77.7% 70.4% 67.3% 68.8%
SHB Bank % 83.0% 83.6% 87.4% 96.4% 100%
Techcombank % 57.1% 58.8% 77.0% 79.7% 87.3%
TPBank % ... ... ... ... 83.9% 89.3%
Vietcombank % 80.6% 74.9% 75.6% 76.7% 75.6%
VietinBank % 99.2% 103% 107% 100% 104%
Vietnam Export Import Bank % 104% 85.0% 85.2% 81.5% 83.2%
Vietnam International Bank % ... ... ... 88.2% 96.6% 102% ...
Vietnam Prosperity Bank % 61.9% 71.3% 88.3% 115% 97.2%
AVERAGE % 79.2% 79.0% 75.7% 81.7% 85.0% 87.3% 90.5% 93.3%