What Banks in Vietnam Had the Most Bad Loans in 2019?

Top Banks by Non-Performing Loans (As % of Loans)
Banking | Vietnam | March 3, 2020
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Excel Sheet

Based on a comparison of 15 banks in Vietnam in 2019, Vietnam Prosperity Bank had the highest share of bad loans, followed by Sacombank and SHB Bank.

Vietnam Prosperity Bank's non-performing loans reached 3.42% of total loans at the end of 2019, down from 3.50% when compared to the previous year. Historically, the NPL ratio hit an all time high of 3.50% in 2018 and an all time low of 1.82% in 2011.

Provision coverage amounted to 1.94% at the end of 2019, down from 2.13% compared to a year earlier.

Comparing Vietnam Prosperity Bank with its closest peers, Sacombank operated at the end of 2019 with NPL ratio of 1.94% and provision coverage of 69.3%, SHB Bank with 1.83% and 64.4% and BIDV had 1.74% of bad loans covered with 74.2% by provisions at the end of 2019.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Vietnamese banks in the report section.

NPLs (As % Of Loans) Unit 2012 2013 2014 2015 2016 2017 2018 2019
Agribank % ... 5.90% 5.72% ... ... ... ... ...
Asia Commercial Bank % 3.03% 2.18% 0.224% 0.238% 0.700%
BIDV % 2.26% 2.03% 1.68% 1.99% 1.62%
HDBank % 3.53% 2.27% 1.59% 1.46% 1.52%
Lien Viet PostBank % ... ... 1.40% 0.966% 1.11% 1.07% ...
MBBank % 2.45% 2.73% 1.61% 1.32% 1.20%
Sacombank % 1.46% 1.19% 5.80% 6.91% 4.67%
SHB Bank % 4.06% 2.02% 1.72% 1.87% 2.33%
Techcombank % 3.65% 2.38% 1.67% 1.58% 1.61%
TPBank % ... ... ... ... 0.710% 1.09%
Vietcombank % 2.73% 2.31% 1.84% 1.50% 1.14%
VietinBank % 1.00% 1.12% 0.918% 1.05% 1.14%
Vietnam Export Import Bank % 1.98% 2.46% 1.86% 2.95% 2.27%
Vietnam International Bank % ... ... ... 2.07% 2.58% 2.49% ...
Vietnam Prosperity Bank % 2.81% 2.54% 2.69% 2.91% 3.39%
AVERAGE % 2.82% 2.90% 2.33% 1.76% 2.01% 1.87% 1.75% 1.52%