Evaluating techcombank
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Evaluating Techcombank’s financial management activities
Items
2020
Score
2020
Ratio of bad debts
0.5%
5
Good risk management stantergy has helped Techcombank mark of this ratio low for many
years. By the end of 2020, Techcombank's bad debt ratio was only 0.5%. This result continues to
recognize Techcombank as of the credit institution with the lowest bad debt ratio and the best
asset quality among credit institutions in Vietnam
Items
2020
Score
2020
The ratio of group 2
debt to total debt
0.65%
5
Debt quality was strictly controlled, bad debt and off-balance sheet debt recovery achieved good
results. Group 2 debt ratio is at 0.65%, a slight decrease compared to 0.92% at the end of 2019.
Items
2020
Ratio of provisions for risks in trading
securities or investment securities (except
provisions for risks associated with special
bonds used for selling debts to VAMC) to
the total balance of trading securities or
investment securities (except the balance
of special bonds used for selling debts to
VAMC)
0.43%
In 2020, provision for trading securities is at VND 9.871 million, down from VND 11.407
million in 2019; provision for investment securities is at VND 385.711 million, significantly up
from VND 306.118 million in 2019.
The total balance of trading securities and investment securities increased from VND
76.0966.153 billion to VND 92.794.817 billion, but the reduced risk provision meant that TCB's
trading or investment securities portfolio was getting better and better.
Items
2020
The ratio of provisions for
depreciation in long-term
investments to the total
balance of contributed
capital for long-term
investments
5.6%
The ratio of provision for devaluation of long-term investments to the total balance of
contributed capital for long-term investments has not changed significantly from year to year.
For 3 consecutive years, this rate has remained around 5%.
Liquidity
Items
2020
Average ratio of highly liquid assets to average
9.76%
total assets
Items
2020
Ratio of outstanding loans to total deposits
84.7%
Sensitive to market
Items
2020
score 2020
Ratio of total foreign currency position to
average individual equity
4.6%
1
Items
2020
score 2021
Ratio of interest-sensitive assets and interestsensitive liabilities to Equity
60.4%
1
