FiinGroup has officially released 𝐭𝐡𝐞 𝐕𝐢𝐞𝐭𝐧𝐚𝐦 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐑𝐞𝐩𝐨𝐫𝐭 𝟐𝟎𝟐𝟓, with insights on sector performance in 2024 and key trends in Q1 2025.
Key Highlights:
🔹 Credit growth hit a five-year high in 2024, but continued reliance on real estate lending signals structural vulnerabilities.
🔹 Deposit growth remained weak, tightening liquidity. Banks turned to market-based funding, which raised costs and pressured margins.
🔹 NPLs surged after Circular 02 expired while declining reserve ratios indicated rising credit risk.
🔹 Profitability improved due to lower costs and income diversification, though NIM compression persisted into Q1 2025.
🔹 Capital adequacy strengthened, supported by Basel III readiness and long-term reforms like Resolution 42 and digital banking trends.
T𝐨 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐫𝐞𝐩𝐨𝐫𝐭: https://lnkd.in/g8frk7sY
Source: LinkedIn
