The banking system’s charter capital increased by 0.7%, total assets decreased by 2.63%

Updating on the operations of the credit institution system until January 31, 2024, the State Bank said that the total charter capital of the entire system of credit institutions reached 1,003,601 billion VND, a slight increase of 0. 7% compared to the end of 2023. In particular, the group of state-owned commercial banks has a total charter capital of 217,882 billion VND, equivalent to the end of 2023; The joint stock commercial bank group has a total charter capital of VND 543,191 billion, an increase of 0.12% compared to the end of 2023; Joint venture, foreign banking group, with total charter capital reaching 163,165 billion VND, unchanged compared to the end of 2023.

In addition, the group of financial companies, financial leasing, and Cooperative Banks have charter capital unchanged compared to the end of 2023, reaching VND 45,321 billion and VND 3,030 billion, respectively; The People’s Credit Fund has a charter capital of VND 7,052 billion, an increase of 0.98% compared to the end of 2023…

Also according to statistics from the State Bank, by January 31, 2024, the total assets of the entire system will reach more than 19,545 million billion VND, down 2.63% compared to the end of 2023. In particular, the commercial banking group The state has total assets of more than 8.2 million billion VND, down 1.49% compared to the end of 2023; The joint stock commercial bank group has total assets of more than 8.6 million billion VND, down 3.87% compared to the end of 2023…

The banking system's charter capital increased by 0.7%, total assets decreased by 2.63%
The total charter capital of the entire system of credit institutions reached VND 1,003,601 billion, a slight increase of 0.7% compared to the end of 2023.

The ratio of outstanding loans to total deposits of the whole system is at 77.87%. Of which, the group of state-owned commercial banks has a rate of 81.31%; The group of joint stock commercial banks has a ratio of 80.88%… As of the end of January 2024, the minimum capital adequacy ratio (CAR) of credit institutions and foreign bank branches applied according to Circular 41/2016/TT-NHNN reached 11.84%. The capital adequacy ratio of state-owned commercial banks reached 9.72%; Joint stock commercial banking group reached 11.89%…

It is known that in the 2024 business plan, many banks have set a target to increase charter capital, which is expected to be approved by the shareholders’ meeting in the second quarter of 2024. For example, Vietcombank will submit to the 2024 shareholders’ meeting a plan to privately issue 6.5% of charter capital to foreign investors; VietinBank plans to pay stock dividends from profit distribution in 2022 based on the approved plan by state management agencies, expected to be approximately VND 11,600 billion.

Recently, this bank continued to propose to the competent authority to allow it to retain all profits in 2023 and annual profits for the period 2024 – 2028 to increase capital, improve financial capacity, and expand lending. . Another joint stock bank, Saigonbank, has just been approved by the State Bank to increase its charter capital by a maximum of 308 billion VND in the form of issuing shares to pay dividends in 2024.

Or BAC A BANK recently announced a stock dividend at a rate of 7.5%; LPBank plans to ask for shareholders’ opinions to increase capital in the 2024 plan; NCB plans to issue 620 million individual shares to increase charter capital by a maximum of 6,200 billion VND. If successfully implemented, the capital will be raised to 11,800 billion VND; ACB will submit dividends to shareholders at a total rate of 25%, of which 15% is in shares.

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