Five state-owned commercial banks account for nearly half of the total consumer loans (48%), of which
Agribank contributes as much as 60%, the BANK is 22% 12% 5% Vietinbank, Vietcombank, and Mekong Housing
Bank 1%.
All together, local commercial
banks (both JSCBs and stateowned commercial banks)
account for the majority (91%) of the
of total consumer loans. This
is understandable since their
portfolio consists mainly of
high-value items, such as
housing l
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