VietnamBankingTechnology Report

20CIOsfromBankingIndustry RoundtableDiscussion March21,2012 Hanoi

1

Content
A. B. C. D. BankClassification BankingServices RankingTop10Banks BankingTechnology

A. BankClassification

StateBankofVietnam

Stateowned Commercial(5Banks)

JointstockCommercial (35Banks)

WhollyForeign owned(5Banks)

A. BankClassification
TotalAssetsof44banks(excludingHongLeongBank):180,5BillionUSD StateownedBanks CommercialBanks ForeignBanks :68,3BillionUSD :106,7BillionUSD :5,5BillionUSD(notincludingHongLeongBank)

(CalculatingbasedoninformationfromAnnualReport2010of44Banks)
ForeignBanks (5.5bilUSD) 3%

Stateowned Banks (68.3bil USD) 38%

CommercialBanks (106.7bilUSD) 59%

TotalAssetsof44Banks2010

A. BankClassification
MHB (51.4bilUSD) 3% Vietcombank (307.496bilUSD) 19%

TotalAssetsofStateownedBanks2010
Agribank (534.987bil USD) 33% Vietinbank (367.712bilUSD) 23%

BIDV (366.268bil USD) 22%

TotalAssetsofForeignBanks2010 (excludingHongLeongBank)
Standard Chartered (16.671bil USD) 15%

TotalAssetsofCommercialBanks2010
Others (25.47bil USD) 30% 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%

Shinhan (18bil USD) 17%

ANZ (26.4bil USD) 24%

Oceanbank (2.65bilUSD) 3% SeAbank (2.66bilUSD) 3%

HSBC (47.826bil USD) 44%

VPBank (2.87bilUSD) 3%

SCB (2.89bilUSD) 3%

PhuongNam (2.90bil USD) 3%

VIB (4.51bilUSD) 5%

B. BankingServices
Most banks in Vietnam provide 4 types of services, including:
Cards Loan Deposits MoneyTransferServices Loan Deposits Remittance TradeFinance Billpayment OnlineAccount ATM

Personal/RetailBanking

Enterprise/Corporate Banking

InternetBanking

MobileBanking

SMSBanking PhoneBanking Mplus(Mobileplus)

C. RankingTop10Banks
Top10BanksbyTotalAssets
(basedonAnnualReportsofBanks2010)

30.0 25.0 20.0 15.0 10.0 5.0

25.7 17.7 17.6 14.8 9.9 7.2 6.8 6.3 5.5 5.3

InBillionUSD(2010)
7

C. RankingTop10Banks
Top10BanksbyNetProfit
(basedonAnnualReportsofBanks2010)

250 200 150 100 50 0

210.8 187.9 170.7 139.6 118.9 114.4 103.6 89.9

75.9 65

InMillionUSD(2010)
8

C. RankingTop10Banks
Top10BanksbyROA
(basedonAnnualReportsofBanks2010)
Profit/ Total Assets(%) TotalAssets (inBil USD) NetProfit (inMilUSD)

Ranking

Bank Name

BankType

ROA(%)

ROE(%)

1 2 3 4 5 6 7 8 9 10

MBBank Techcombank Eximbank ACB VIB Maritime Vietinbank Vietcombank Sacombank BIDV

Commercial Commercial Commercial Commercial Commercial Commercial Commercial Commercial Commercial Commercial

2,54 1,9 1,85 1,7 1,64 1,55 1,5 1,5 1,5 1,13

0,29 24,9 13,51 28,9 23,7 35,1 21,1 22,55 15,04 17,96

2.08 1.38 1.81 1.36 0.84 1.32 0.93 1.37 1.27 1.03

5.27 7.23 6.3 9.86 4.51 5.55 17.68 14.78 6.82 17.61

110 99.6 114.3 134.2 38 73 164.1 202.6 86.5 180.7

9

C. RankingTop10Banks
Top10BanksbyROE
(basedonAnnualReportsofBanks2010)
Ranking BankName BankType ROA(%) ROE(%) Profit/Total Assets(%) TotalAssets (inBil USD) NetProfit (inMilUSD)

1 2 3 4 5 6 7 8 9 10

Maritime ACB Techcombank VIB Vietcombank Vietinbank BIDV Sacombank Eximbank MBBank

Commercial Commercial Commercial Commercial Commercial Commercial Commercial Commercial Commercial Commercial

1,55 1,7 1,9 1,64 1,5 1,5 1,13 1,5 1,85 2,54

35,1 28,9 24,9 23,7 22,55 21,1 17,96 15,04 13,51 0,29

1.32 1.36 1.38 0.84 1.37 0.93 1.03 1.27 1.81 2.08

5.55 9.86 7.23 4.51 14.78 17.68 17.61 6.82 6.3 5.27

73 134.2 99.6 38 202.6 164.1 180.7 86.5 114.3 110 10

D. BankingTechnology
1. NetworkingInternet/Intranet 2. ServerDesktopUtilities

3. Software 4. Database 5. SecuritySystem 6. CoreBanking 7. DisasterRecovery

11

1.NetworkingInternet/Intranet
IntranetVendors ESC Alcatel Cisco CMCSI InternetServiceProviders
MarketshareofISP12/2011
(InformationbasedonVNNIC)

FPT 9% VIETTEL 17%

CMCTI 2%

SPT 1%

Others 3% VNPT 68%

12

2.ServerDesktopUtilities

13

3.Software
Software
Operational System: Microsoft Window, linux and Mac OSX Anti Virus o Kaspersky o Eset Nod32 o TrendMicro o McAffee o Panda o BKAV o Norton AntiVirus o Office tool: Microsoft Office

14

4.Database
y Databasemanagedby o ERP o CRM o MySQL o Sharepoint o Corebanking Vendors:IBM,CMCSoftware,HPT,Oracle,Cisco,SAP

15

5.SecuritySystem
a. b. c. d. e. f. g. h. i. Application security Content security Data security Endpoint security Network security Identity & Access management Risk & Compliance management Security operation Consulting services

16

6.CoreBanking

CoreBankingSuppliersof38BanksinVietnam
7% 32% 11% Temenos(T24) OSI(TCBS) SungardAmbit(SystemAccess) 11% SilverLake Hyundai 14% 18% FPT(SmartBank) Polaris

7%

17

18

7.DisasterRecovery

19