Trần Thị Minh Thùy - BAFNIU19176

Hoàng Thùy Dung - BAFNIU19070

Nguyễn Phương Uyên - BAFNIU17009
Bùi Quang Khải - BAFNIU19097
Lê Hoàng Khang - BAFNIU19098
Ngô Thúy Tú Anh - BAFNIU20240

TARGET BANK: TECHCOMBANK

1. EVALUATING BANK PERFORMANCE

Year Net Income Total Asset Total Equity Capital

2019 10,226,209 383,699,461 62,072,767 35,477,967

2020 12,582,467 439,602,933 74,614,786 35,525,569
2021 18,415,382 568,728,950 93,041,472 35,585,622

(VND millions)

2. CAR

Capital adequacy ratio of TECHCOMBANK in 2021 (Unit: VND billion, %)

Invidiual Consolidated
CAR (%) 14.40 15.04
Equity 85,468,706 95,121,794
Total risk - weighted assets 593,365,447 632,575,722

Capital adequacy ratio of TECHCOMBANK in 2020 (Unit: VND billion, %)

Individiual Consolidated
CAR (%) 15.07 16.08
Equity 69,148,581 76,108,365
Total risk - weighted assets 458,700,121 473,371,400

Capital adequacy ratio of TECHCOMBANK in 2019 (Unit: VND billion, %)

Individiual Consolidated
CAR (%) 14.57 13.35
Equity 57,996,226 63,173,543
Total risk - weighted assets 398,095,860 473,371,400

The commercial banks and their subsidiaries (consolidated CAR) and the foreign bank branches in Vietnam (CAR) s
 EPS
Share outstanding ROA (%) ROE (%) Capital ratio (%)
(VND/share)

3,500,139,962 2.67 16.47 2.922 9.246

3,504,906,230 2.86 16.86 3.590 8.0813
3,510,914,798 3.24 19.79 5.2452 6.2570

(Unit: VND billion, %)

(Unit: VND billion, %)

(Unit: VND billion, %)

bank branches in Vietnam (CAR) should maintain at 9%. At 15.04% in 2021 the capital adequacy ratio (CAR) was well above th
adequacy ratio (CAR) was well above the requirement of 9.0% . The rescheduling and postponement of debt repayment to sup
f debt repayment to support COVID-19-affected borrowers according to Circular 01/2020/TT-NHNN and Circular 03/2021/TT-N
d Circular 03/2021/TT-NHNN had been causing a large amount of debts not to be able to return to banks. Therefore, banks hav
s. Therefore, banks have been promoting the mobilisation of medium- and long-term capital through bond issuance to meet the
nd issuance to meet the State Bank of Vietnam (SBV)’s requirements on capital adequacy ratio (CAR).