How to use this dashboard

How to use this dashboard
Metrics by subject area

The Dashboard contains more detailed information that is intended to help users gain a better understanding a bank’s business and its risks. This additional information can be accessed from the menu bar or directly from charts.

The metrics provide users with the information related to its capital adequacy, asset quality, management soundness, earnings ability, liquidity and asset concentration.

Capital adequacy

Capital is a form of funding that can help absorb large and unexpected losses. The State Bank of Vietnam requires banks to hold a minimum amount of capital and these minimums are set relative to the riskiness of a bank’s assets.

Asset quality

Asset quality refers to how well a bank’s loans are performing relative to their contractual terms. Loans are considered to be ‘non-performing’ when a bank is likely to incur some losses.

Management soundness

Management soundness captures the possible dynamics of management efficiency affecting the financial performance of the banks.

Earning ability

Profits are the difference between income and expenses. Realised profits belong to a bank’s owners but profits also provides a buffer against losses before capital is affected.


Liquidity refers to the ability of banks to meet their obligations as they fall due. The State Bank of Vietnam requires banks to proactively manage their liquidity risks and imposes minimum requirements on the level of liquid assets and the amount of stable funding.

Asset Concentration

Asset Concentration emphasizes the evaluation of competition of banks and their size distribution.