Evaluating techcombank

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, Techcombanks 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.

Evaluating Techcombank’s financial management activities Items 2020 Score 2020 Ratio of bad debts 0.5% 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 debt to total debt 0.65% Debt quality was strictly controlled, bad debt and off-balance sheet debt recovery achieved good results Group 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 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% Items 2020 score 2021 Ratio of interest-sensitive assets and interestsensitive liabilities to Equity 60.4%